Expanded markets Leanpay is expanding into Romania and Hungary, presenting a clear near-term opportunity to target merchants in these regions with BNPL 3.0 financing solutions and cross-border collaboration potential.

Large-ticket focus With focus on purchases up to 12,000 EUR and an average basket size four times larger than competitors, prioritize partnerships with retailers of high-value goods (electronics, appliances, home improvement, luxury) to maximize average order value.

Strong merchant network 800+ merchant partners and 100,000+ satisfied customers indicate proven demand; pursue upsell with current partners and target merchant tiers seeking higher conversion, larger cart values, and repeat business.

AI and data readiness Recent data platform consolidation and Gemini-powered AI readiness, plus a centralized BigQuery estate, open opportunities to offer advanced analytics, credit insights, and personalized financing offers to merchants.

Trust and transparency Fixed monthly repayment plans and commitment to non-overindebtedness position Leanpay as a safer BNPL option; use this as a differentiator when approaching risk-conscious merchants and consumers in new markets.