[credi2]

Credi2, founded in 2015 in Vienna, Austria, is a fintech company specializing in white-label "buy now, pay later" (BNPL) solutions. The company develops and operates BNPL services for banks, credit card providers, and retailers through its BNPL-as-a-Service platform. Credi2's technology enables its clients to offer modern sales financing solutions to their customers, providing flexible installment payment options for online and in-store purchases. The company's platform includes features such as loan origination, account management, and servicing capabilities. Credi2's solutions can be integrated into clients' existing systems, allowing for seamless implementation of BNPL offerings under their own brands. In addition to BNPL, Credi2 also provides solutions for subscriptions and other embedded finance products. As of January 2023, Credi2 employed over 90 people from across Europe. The company has established partnerships with major financial institutions and technology providers to expand its offerings. In October 2022, Volkswagen Bank increased its stake in Credi2 from 20% to 28%, demonstrating growing interest in the company's technology.

Key customers and partnerships

Credi2 has secured partnerships with several prominent financial institutions and technology companies. Its client portfolio includes Volkswagen Bank, Raiffeisen Bank International, Deutsche Bank, and Apple. In January 2023, Credi2 entered a strategic cooperation with Visa as part of the Visa Fintech Partner Connect program to develop a flexible BNPL solution for card-issuing financial institutions in Central European markets. In November 2023, Credi2 announced a partnership with Marqeta to provide an end-to-end installments platform designed for banks in Europe, enabling them to offer installment payments on cards more easily. This solution, developed in collaboration with Visa, aims to help banks integrate installment capabilities directly into their applications, allowing for faster market entry with BNPL offerings for their debit and credit card customers.