BNPL Collaboration Strategic opportunity to deepen the Ratepay collaboration to co-create and promote an enhanced Buy Now, Pay Later solution for merchants leveraging Consors Finanz’s consumer credit portfolio and Ratepay’s white-label capabilities.

Digital Financing Position Consors Finanz as a partner for merchants seeking to simplify online liquidity management for customers, highlighting online financing workflows, online account management, and seamless integration with merchant platforms.

Sustainable Credit Leverage sustainable credit rescheduling and eco-conscious financing offerings to target ESG-focused retailers and consumer brands that want greener financing options for customers.

SMB Market Growth Target small- to mid-sized merchants in the five German-speaking locations and Vienna by offering flexible consumer financing solutions, fast onboarding, and white-label card products to drive cart conversion and average order value.

Security & Compliance Emphasize robust security posture and compliance tools (e.g., OneTrust, HSTS, security certifications) to reassure risk-aware businesses, enabling faster adoption of financing and payment integrations.