Problem
Retail customers needed flexible credit at checkout, while the business needed reliable underwriting, payment state, and auditability.
Fintech Case Study
BNPL System @ Retailo
A business-critical fintech system connecting checkout, credit, KYC, ledgers, and payments.
Impact
Launched a credit flow that became a meaningful GMV channel while keeping operational risk visible.
Solution
The BNPL architecture coordinated checkout, credit decisions, KYC, ledger movements, and platform observability through service boundaries designed for scale.
Stack
NestJSMicroservicesPostgreSQLAWS
Results
The work was shaped around product usefulness.
Shifted 20% of GMV to credit within one year.
Created a clear separation between commerce, credit, ledger, and platform concerns.
Gave engineering and operations better visibility into transaction health.
Next Step