License the Divido technology and focus on your lending

Divido is a point-of-sale credit origination platform for lenders that want to offer end-consumers a new line of credit − instantly, paperless and completely omni-channel. We call it "Powered by Divido".

Why lenders license Divido

Quick speed to market

Building your own point-of-sale finance system can take years and require tremendous financial investment. Licensing Divido means lower costs and a quick route to market.

Fully customisable

Every lender is unique, which is why every feature of our platform is fully customisable to meet your specific requirements.

Your branding

We understand the importance of retaining control of your brand. That’s why our platform is purely white label, with your branding throughout the entire user journey.

Omni-channel, multi-country

Divido works across multiple currencies, allowing retailers to cover multiple markets with one simple integration. It’s also omni-channel, meaning applications can be processed online, in-store and over the phone.

Higher acceptance rates

Divido is connected to multiple lenders with varying credit-risk appetite. If you can’t accept an application, pass it seamlessly onto another lender to maintain the relationship with your retailers and provide a positive brand experience.

Above and beyond

To help you get started, Divido can even originate and onboard new retailers for you. We also provide ongoing technical support and customer service to your merchants and end-consumers, in your name. All you have to do is focus on the lending.

100% ownership

As a lender, you’ll retain full ownership of your merchants, end-consumers and all associated data, for life.

Quick pilots

New to omni-channel point-of-sale finance or a specific country? Run a tailored pilot to gather real data to inform your business case.

How does it work?

What’s in the box?

You decide what you want from Divido, what you'd like to retain in-house and what third parties, like credit reference agencies and fraud tools, you want Divido to use on your behalf.

In short, here's what we offer:

Project Management & Reporting

You’ll be assigned a dedicated team to ensure a smooth onboarding and roll-out.

Integrations

We can integrate with leading online and offline POS systems, as well as a lender's internal systems.

Finance Product Support

The platform is product agnostic; 0% APR, interest bearing, rate for risk, etc.

Loan Origination

Completely self-serviced by end-consumers.

Customer Application Support

Customer service 24/7/365 and tools to increase conversion rates.

Fraud Prevention

Including ID verification and other checks.

Decision Engine

Create, test and change your credit rules in real time to optimise outcomes.

Document Creation

Required contracts generated automatically and signatures captured electronically.

Deposits Handling

Payments paid straight to the merchant from the end-consumer.

Training & Support

We work with your front line team to provide a superior customer experience.

Loan Servicing

Lenders, merchants and consumers use a self-service tool to track transactions.

Enforceability

The entire journey is documented and recorded to evidence the transaction.

Want to find out more?

Get in touch to learn how Divido can supercharge your offering.