SEPT 2023


Pauline TOLILA, Younited Sales, Director

Discover the interview of Pauline TOLILA, Younited Sales of Director

Portrait of Pauline Tolila, Sales Manager Younited

What are the main news, trends and innovations in your market or sector?

Over the past few years, payment in instalments has become an indispensable service for French and European consumers when it comes to making a major purchase. But practices are evolving rapidly, with sometimes contradictory trends that present retailers with a number of challenges: inflation, regulatory changes to provide a better framework for offers and reduce the risk of over-indebtedness, the desire for more responsible consumption patterns... Understanding the trends in this changing environment is a key challenge for retailers, if they are to remain competitive and meet their customers' expectations.

What are the features of your solution, and who is it aimed at?

Younited Pay is a solution designed for merchants who want to offer their customers the possibility of spreading the payment of their purchases beyond 4x, thanks to instant credit.

In just a few minutes, Younited Pay makes it possible to finalize a purchase on credit, online or in-store. A quick and easy user experience, 100% regulated and responsible for consumers, a conversion booster for merchants!

How can we help? Younited is a pioneer in the use of open-banking, a 100% secure process, regulated since 2018 by a European Directive (1) under the strict control of the Banque de France and the ACPR, which enables Younited to access transactions appearing on borrowers' bank accounts - subject to their agreement of course.

This data enriches our scoring models based on AI and machine learning, and enables us to make an instant decision, with unprecedented benefits for customers and merchants :

  • On the merchant side, an order and financing validated instantly whatever the amount, a fast and guaranteed payment, a better conversion rate and an increase in the average basket.
  • On the consumer side: a simple, secure process with fewer supporting documents to provide, an instant response, and a fairer decision that no longer disadvantages profiles with atypical incomes, such as entrepreneurs.

What does Paris Retail Week mean for your business this year?

Paris Retail Week is an opportunity to meet up with our customers and new prospects looking for a pan-European, customer-centric credit payment solution. It's also an opportunity to showcase our unique technology, which offers instantaneous and responsible payment. It will also be an opportunity to share the results of our latest study, carried out with Mix factory, on the expectations of French and Spanish consumers with regard to payment in instalments.

More information about Younited