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Modernization of Buy Now Pay Later Platform for Scalable Retail Lending Expansion

sombrainc.com

Financial services

eCommerce

Challenges in Scalability, Market Expansion, and Partner Integration

The client's legacy platform suffered from technical debt limiting scalability, inability to handle growing customer volumes, outdated transaction management causing deadlocks/data corruption risks, and slow data aggregation processes. These issues hindered European market expansion and prevented effective integration with international merchants.

About the Client

A multinational retail finance company providing Buy Now Pay Later (BNPL) solutions for consumer transactions

Strategic Objectives for Platform Modernization

Expand operational footprint to nine European countries
Achieve 1,000+ merchant partner integrations
Reduce operational costs by 27% through system optimization
Improve transaction processing speed to sub-1-second response times
Establish robust technical foundation for future scaling

Core Platform Modernization Requirements

Technical debt audit and prioritization framework
Distributed transaction management system
Dynamic SQL query optimization engine
Real-time statistics aggregation architecture
Financial calculation accuracy framework with error rollback mechanisms

Modernization Technology Stack

Database optimization tools

Connection pooling frameworks

Industry-standard financial calculation libraries

Microservices architecture patterns

Cloud-native deployment solutions

Critical System Integrations

European payment gateways
Merchant POS systems
Cross-border compliance frameworks
Real-time analytics platforms

Platform Performance Standards

99.99% system availability
Sub-1 second page load times
Support for 10x concurrent user growth
PCI-DSS compliance
Automated rollback capabilities

Expected Business Impact of Platform Modernization

Successful implementation will enable rapid European market penetration, support exponential merchant partner growth, reduce operational costs through improved system efficiency, enhance customer experience with faster transaction processing, and establish a scalable technical foundation for future expansion into emerging markets.