beExtra Point of Sale Lending App


Financial Institutions and Retailers can now provide lending offers to their customers at the point of sale

Our multi-retailer integrated Mobile Solution for Financial Institutions and Retailers allows customers to pay for purchases at the point of sale with their loans instead of, or along with credit card and cash

beExtra POS Lending App Customers can shop with their loans in their preferred online or offline retailers and can enjoy additional benefits or priorities as a part of your loyalty programme


Key Features

  • Your POS Lending App is integrated with your Partner Retailers

  • Easy onboarding for existing customers

  • New customers can register and apply for a loan with a few easy steps

  • Each retailer can have a separate POS loan limit depending on Financial Institution preferences

  • Customers can choose to utilise the loan in full or in parts at their own convenience

  • Customers can enjoy special discounts and bonuses

  • Loan campaign offers dynamically managed depending on the customer segment

  • MyOffers available for Loyal Customers to enjoy personalised benefits

  • Get directions to  the nearest shop,  view their website or call the shop

  • Find exclusive nearby deals from selected programme partners

  • Customers can share campaigns and get bonus points

  • MyProfile shows online status of the current  loan account and loyalty point balance

  • View history of all transactions and benefits utilized

  • Survery options in exchange for bonus points

Blue Smoke

From product orientation to customer centricity

Going forward, customers are reshaping the future of the Companies


We support the Customer Experience, at the right time, at the right place... without putting boundaries  

Next Gen Retailer & Lender​

 Lending | Card | IBAN | Digital Banking Loyalty 


Customer Value Proposition

Get More & Pay Less

redeem reward where

utility is highest



does it all


personalized offers

specially for you


credit and installment payments access


exciting cashback, bonuses and discounts access


intangible offers access

no one has

Shift purchasing behaviour from competitors to own shops

Increase quality customer base significantly 

Able to market to a much larger community than existing base

Able to execute one to one marketing

Retailers Value Propositions

Increase Profits & Market Share

Effective cross-promotions

Stronger competetive positioning

Retention and Activation
Prevent Customers from defecting

Access to targeted customer base

Increase spending per visit