Consumer & Retail Lending

Smart Credit

Power every use case – from daily needs to life’s big moments – with PhotonMatters’ agile lending suite, built for real-time approvals, embedded delivery, and intelligent decisioning.

Why Lenders Choose PhotonMatters

Instant AI-powered approvals

Instant AI-powered
approvals

Embedded lending (POS, BNPL, In-App)

Embedded lending (POS, BNPL, In-App)

Fraud, KYC & bureau integrations

Fraud, KYC & bureau integrations

Behavioral scoring & dynamic limits

Behavioral scoring & dynamic limits

Go live in under 8 weeks with plug-and-play APIs

Go live in under 8 weeks with plug-and-play APIs