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Global banking and credit provider

Modernizing retail credit at the POS

Industry: Financial Services
Region: United States

Modernized credit application at retailer POS offers immediate approvals

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A major retailer needed a banking partner to drive POS credit activity to better engage customers both inside and outside the store. Using a strategy to promote and qualify shoppers for a proprietary credit card, Maven Wave (an Atos company) integrated the banking and retail giants into a seamless user experience.

The challenge

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To capture maximum dollars per transaction, today’s retailers are compelled to diversify how consumers can complete their shopping purchases. Whether the seller incorporates credit options, online e-commerce sites, catalogs or other purchase variations, it is a given that the more ways a shopper can conveniently and quickly buy what they want, the more revenue the seller can generate. A major banking institution was tapped to partner with a leading retailer to modernize its POS (point of sale) credit application capabilities, a plan that required subject matter experts to bring the two entities together for the best POS user experience.

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The solution

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This retailer needed to provide its customers with a variety of digital solutions for applying for credit (phone, tablet, self-serve checkout, and POS). Its banking partner did not yet have a POS credit channel to offer in its modernized platform. Accordingly, the bank required an expert collaborator to create a smooth credit application to integrate into the retailer’s high-end POS system.

Business benefit

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Building a POS credit application made use of technologies like secure two-way communications through an integrated API; Amazon Elastic Container Service (ECS) hosting on the cloud; and improved delivery of disclosures in-store.

The systemic and financial benefits were immediate and substantial:

  • The new POS application system went live with zero defects
  • The automated credit application channel increased credit applications and booking volume, exceeding both parties’ expectations.

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Related information

Atos Digital Transformation Factory

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Atos FinHub

Our experts

Andrew Dunmore

Managing Director, Atos

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