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Embedded Credit for SME Growth
The Challenge
Indonesian SMEs faced working capital constraints during COVID-19, limiting their ability to restock inventory and fulfil growing demand. A B2B commerce platform sought to introduce an embedded credit solution to support merchants with flexible financing at checkout.
Our Approach
Pratibha led this initiative end-to-end, aligning product, legal, and compliance teams across functions to deliver a modular BNPL (Buy Now, Pay Later) solution. The scope included:
• Identifying viable SME cohorts and defining credit eligibility rules
• Auditing backend systems for BNPL integration readiness
• Designing repayment flows, fraud prevention logic, and credit UI
• Aligning risk, regulatory, and operational processes for launch
• Piloting phased rollout and tracking adoption and repayment behavior
- The Outcome
• Improved SME restocking cycles and merchant order volume
• Delivered a compliant, scalable BNPL credit engine
• Built a reusable internal framework for future embedded finance initiatives
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