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Transforming Vehicle Finance – Unveiling the Comprehensive Buy Now, Pay Later Scheme

A Comprehensive BNPL Solution

In today’s fast-paced financial world, where immediacy and adaptability are paramount, OBSS collaborates with Yapı Kredi Bank to launch the “One Stop Shop” project. This initiative is a pioneering move in vehicle financing, introducing Buy Now, Pay Later (BNPL) options for both individual and commercial vehicle loans. “One Stop Shop” sets new standards in the lending domain by offering quick, convenient, and reliable solutions.

Key Features of the Innovative BNPL Financial Solution

At the core of this collaborative effort between OBSS and Yapı Kredi Bank is the BNPL Options, a strategic move addressing the rising demand for flexible financial solutions in vehicle purchasing. This initiative, aligning with both customer and dealer needs, transcends traditional lending methods, providing an integrated and customer-centric experience. It’s an innovative approach not just in lending, but in enabling customers to realize their aspirations instantly.

Corporate Milestones and Outcomes of the BNPL Collaboration

The implementation of “One Stop Shop” by OBSS in partnership with Yapı Kredi Bank has been transformative. Noteworthy achievements include developing new sales channels and offering timely solutions for urgent financial needs. The initiative boasts an intuitive user interface, tailored by OBSS for user-friendliness, significantly enhancing customer onboarding. The project’s impact is evident in the significant savings in time and finances in branch operations, and its standout feature is the provision of instant loan evaluations, leading to heightened customer satisfaction and increased revenue.

Technological Advancements in the BNPL Platform Development

OBSS’s technical expertise is fundamental to the “One Stop Shop” project. The focus has been on creating a comprehensive platform for customer acquisition and credit sales, particularly designed for dealer interaction. The move to a digital, paperless approval process champions environmental sustainability and expedites loan approvals. Ensuring data and platform security has been a priority, instilling confidence in customers and dealers.

Showcasing Corporate Proficiency in Multidisciplinary Project Implementation

The project showcases OBSS’s proficiency across various fields, including advanced web application development and state-of-the-art UI & UX design. The platform’s architecture, built on a microservice infrastructure, ensures scalability and robustness. OBSS’s role has been crucial in integrating user acquisition strategies, KYC compliance, digital document management, and effective CRM systems, embodying precision, innovation, and a customer-first approach.

Pioneering a New Era in Vehicle Financing Solutions

The “One Stop Shop” initiative, a collaborative project between OBSS and YKB, is more than just a financial venture; it represents a shift in the paradigm of vehicle financing. It exemplifies how digital innovations can be effectively integrated into financial services, enhancing customer experiences and broadening market reach. This case study highlights OBSS’s pivotal role in shaping the future of flexible, responsive, and customer-oriented financial solutions in the automotive sector.


About Yapı Kredi Bank

Since its inception in 1944, Yapı Kredi, Turkey’s third-largest private bank, has been a frontrunner in the sector with a customer-centric approach and innovation focus. With 846 branches and over 16,000 employees, Yapı Kredi serves customers across Turkey and enhances accessibility through its advanced Alternative Delivery Channels, including a vast network of ATMs, internet and mobile banking, call centers, and POS terminals. The bank, having 94% of its transactions through non-branch channels in 2019, offers a wide range of services in retail, SME, private banking, wealth management, and corporate and commercial banking. Supported by domestic and international subsidiaries, including those in the Netherlands, Malta, and Azerbaijan, Yapı Kredi has a robust shareholding structure with significant stakes held by Koç Financial Services, Koç Holding A.Ş., and UniCredit S.P.A., ensuring sustainable, profitable growth. The bank’s shares are also publicly traded on Borsa Istanbul.


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