FinOS Micro-LendingA complete lending stack — from acquisition and credit assessment to disbursement and collection.

Vietnamese e-commerce shoppers increasingly abandon carts when a single upfront payment is required, yet most lack credit cards or pre-approved revolving credit lines. Retailers lose conversion and average order value while traditional banks take days to approve even small-ticket credit — far too slow for a checkout flow.

Micro-Lending embeds a real-time BNPL decisioning engine directly at the point of sale, using eCreditScore’s alternative data models to approve thin-file shoppers in under five minutes without manual underwriting. Partner merchants receive full payment immediately while the platform handles installment scheduling, reminders and collections end-to-end.