Strategy and Solutions
The client is a regional electronics retailer operating a network of physical stores alongside a fast-growing eCommerce channel. Its product catalog included premium laptops, smart TVs, gaming consoles, home appliances, and professional-grade electronics, with many items priced well above $500. While customer traffic and product interest were strong, conversions consistently dropped for higher-ticket purchases.
Although financing options existed, they were slow, fragmented, and poorly integrated into both online checkout and in-store POS systems. Customers faced lengthy applications, unclear approvals, and inconsistent experiences across channels. To unlock demand for high-value products and modernize the buying journey, the retailer partnered with Zymr to build a purpose-built BNPL platform designed specifically for electronics retail.
Despite strong demand for premium products, the retailer struggled to convert interest into completed purchases. Financing friction at the point of sale was the primary blocker, particularly for customers comparing multiple options or shopping across channels.
Existing financing workflows were optimized for traditional credit, not modern retail expectations. Approvals were slow, installment options were limited, and experiences differed between online checkout and in-store sales counters. At the same time, higher ticket sizes introduced real credit risk, requiring stronger controls without sacrificing speed or customer experience.
Zymr’s discovery highlighted several interconnected challenges impacting conversion, operations, and risk management.
Zymr helped the electronics retailer turn financing from a conversion blocker into a strategic growth lever. By delivering a fast, flexible, and tightly integrated BNPL platform across digital and physical channels, the retailer increased high-ticket sales, improved customer acquisition, and maintained disciplined credit performance.
This case demonstrates how a purpose-built BNPL solution can unlock premium product demand while preserving margins, operational simplicity, and customer trust.
BNPL unlocked demand for premium electronics that customers previously hesitated to purchase.
Installments encouraged customers to choose higher-end models and bundles.
BNPL attracted new customers actively seeking flexible payment options.
Despite higher ticket sizes, strong risk controls kept losses well within acceptable limits.
Sales associates reported faster deal closures and fewer abandoned conversations.
Zymr designed and delivered a custom BNPL platform tailored to electronics retail, balancing instant approvals, flexible payment plans, and enterprise-grade risk controls. The solution was built to work seamlessly across online and in-store channels while integrating cleanly with the retailer’s existing systems.
Integrated BNPL directly into both eCommerce checkout and physical POS terminals, enabling a consistent experience across channels.
Implemented instant decisioning using soft credit checks, transaction context, and behavioral signals, returning approvals in under two seconds.
Supported multiple installment options with clear monthly breakdowns and transparent terms shown upfront.
Introduced dynamic credit limits, transaction caps, velocity checks, and automated delinquency monitoring to keep defaults low.
Enabled full upfront settlement for the retailer while automating collections, refunds, chargebacks, and reconciliation in the background.
Delivered dashboards tracking BNPL adoption, approval rates, AOV impact, and risk metrics to continuously optimize policies.
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