Kredivo

Kredivo is a Southeast Asian digital-credit and buy now, pay later (BNPL) platform, strongest in Indonesia and Vietnam, that gives consumers instant credit for online and offline purchases while helping merchants boost conversion. It offers pay-later and installment options at checkout and personal loans, using data-driven underwriting to extend affordable credit at scale.

The platform covers pay-later and installment checkout, merchant integrations for online and in-store, instant credit decisioning, and consumer credit products, with merchants paying a fee per transaction (quoted by agreement and volume) while Kredivo manages the credit and collections. Its digital-credit reach and underwriting across Southeast Asia differentiate it in the regional BNPL market.

Kredivo serves ecommerce and retail merchants in Indonesia and Vietnam that want to increase conversion and basket size with pay-later, and consumers who want accessible credit. With a large user base and merchant network, its instant credit and BNPL make it a leading digital-credit platform in the region.