Credlo is a technology-driven lead generation payment app(iOS/Android/Web).

Credlo is a new generation payment method that allows its partnered retail merchant to offer their end‑customers the ability to buy goods and services on their web sites/in-store on a ‘Buy now, Pay later’ basis for small/mid ticket size products with shorter repayment period at no extra cost, and enables the end‑customer to:
* Digitally on-board on Credlo App with e-KYC and getting real time credit limit
* Say no to lengthy paper application or document submission
* Avoid being trapped into a traditional loan or credit card product or credit line
* Buy goods and services at our partnered merchants (Online/In-Store)
* No Interest and processing fee/extra cost*
* Repay the interest free instalment by any debit card and bank accounts.

Instalment payment terms are presented to end‑customers for a maximum of up to 60 days.
The purchase value is recouped by Credlo from the end‑customer usually in four equal, fortnightly instalments.

Retail merchants benefit from providing the Credlo service to its end‑customers because:
* A proportion of end‑customers are more inclined to make a purchase and/or will increase the value of their purchase (AOV) because of the affordability and flexibility attributes of the Credlo payment.
* Higher Conversion rate & increased sales from acquiring new customers
* Significant uplift in revenue/sales and repeat customers
* Flexible Integration capability for both Online & In-store with consumers spending and analytics insights
* Credlo pays the retail merchant upfront and covers all end‑customer non-payment risks.
* Enjoys targeted industry and brand promotion which helps generating more footfalls and traffic to their store.
* Access a new marketing channel on Credlo store directory and social media promotions more