Samit Shetty
Director @ Chaitanya India Fin Credit Pvt. Ltd.
For many years, technology had been a barrier to our rapid expansion plans. With Finflux, technology is now our primary business accelerator.
What does M2P’s BNPL Loan Management System offer?
M2P’s BNPL Loan Management System enables institutions to launch and manage flexible Pay Later products with end-to-end control. From billing cycles to delinquency handling, the system is built to support scale, compliance, and seamless customer experience.
Does the system support EMI conversion for customer transactions?
The Loan Management System includes built-in functionality for spend-based EMI conversion, allowing institutions to offer customers the option to convert eligible purchases into structured repayments post-transaction.
Can partial or full cancelations of BNPL transactions be managed?
Yes, institutions can process both partial and complete cancelations, with automatic adjustments to loan balances, billing schedules, and customer statements.
What billing frequencies can be configured?
The system supports configurable daily, weekly, or monthly billing cycles, enabling lenders to define repayment timelines that align with product structures and borrower preferences.
Is it possible to personalize bill and due dates?
The platform offers flexible bill and due date configurations, allowing lenders to align repayment schedules with internal policies or customer-defined preferences.
What does the Billing and Statement of Account engine cover?
The Loan Management System generates detailed billing statements and account summaries, ensuring accurate, timely communication of repayment obligations. It also supports automated reconciliation and real-time transaction tracking.
How does the platform address delinquency and NPAs?
The system applies automated soft and hard freezes based on pre-defined delinquency rules, helping institutions proactively manage risk and ensure regulatory adherence.
Can the platform support high transaction volumes without compromising performance?
Designed for scale, the Loan Management System handles large transaction volumes while maintaining performance, making it suitable for institutions with growing or high-velocity BNPL portfolios.
Does the platform comply with regulatory and audit standards?
The Loan Management System offers features such as audit-ready transaction logs, repayment tracking, and integrations for e-mandates—supporting regulatory frameworks across markets.
Can institutions configure multiple product types on the platform?
The system allows for the creation and management of various BNPL offerings, including no-cost EMI, deferred payment, and revolving credit models, tailored to different customer or merchant segments.
Is third-party system integration supported?
Yes, the platform is API-first, supporting seamless integrations with e-commerce platforms, merchant systems, CRMs, and core banking infrastructure.
Which types of businesses typically benefit from this solution?
- The BNPL Loan Management System is purpose-built for:
- Financial institutions offering consumer credit
- Fintechs building embedded finance solutions
- Platforms or marketplaces integrating Pay Later options at checkout
