The rapid growth of e-commerce is driving opportunities in consumer lending. For example, the Buy Now Pay Later (BNPL) has become the ecosystem that established itself as a win-win proposition for all participants. Platforms can boost their conversion rates without sacrificing margin, and customers get a more convenient way of paying back for goods and services. Vodeno/Aion opens new opportunities for creating and customising the embedded lending process.
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Increased competition across e-commerce platforms creates an unpredictable environment where customer loyalty, shopping cart value and conversion rates are on the decline. The generic BNPL solutions have stopped being the competitive advantage, as they become expected by online shoppers. Platforms must seek new ways of offering more unique solutions that keep customers in their ecosystems.

Our Solution

We helped launch Aion Bank, a mobile-first, fully digital bank. Through the VODENO Cloud Platform, Aion’s IT covers all aspects of Retail & SME universal bank activities with hundreds of open APIs. Aion’s service is also secure by design with data security using unique customer keys with blockchain integrity control algorithms.
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Purely API-based solution

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Full customisation when it comes to interest, penalties and loan duration

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A broad suite of payment methods available

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Instant eligibility check

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Retention of data


Full suite of API-based products for Retail and SME customers






iOS, Android and web apps

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Customer support

24/7 multilingual Customer Support Centre.
Savings and investments

Customer communication

Full suite of communications: SMS, Email, Push and Voice.

Daily banking services

Other services


KYC/AML/AF management

Compliance out-of-the-box: 500+ controls to guarantee the highest security standards; 360 degree AML & AF detection; Compliant with EBA, GDPR, ISO 27001, ISO 222301 and other standards.

Credit risk management

Operational capabilities for credit risk, payments and cards.
Savings and investments

Data and reporting



Foreign Exchange

In-house FX engine: best-in-class technology combined with direct access to interbank rates, liquidity and risk management.



Savings and investments

Cloud engineering


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