Retail & eCommerce
Pre-configured API platform for retailers
KNEX enables retailers and non-financial players to seamlessly embed complex financial services, such as payments orchestration, KYC, and lending directly into their customer journeys.
Capturing the Embedded Finance Opportunity
Capturing the 10%+ CAGR of the embedded finance market typically requires capital-intensive, 12-month platform projects that miss the market window. KNEX eliminates these barriers by providing pre-configured financial building blocks, including lending, credit, and payment orchestration that integrate directly into the checkout journey.
By owning the financial stack, retailers reduce third-party dependency and capture a significantly larger share of the customer lifecycle value.
Deploying at the Speed of Commerce
Connecting retail ERPs to banking infrastructure often results in prolonged development cycles and fragmented customer data. KNEX reduces integration effort by 40% through a Unified Data Access Layer that reconciles customer behavior with financial workflows in real-time.
This modular, API-first approach allows product teams to swap financial providers or add new “Buy Now, Pay Later” (BNPL) services without re-architecting the backend or de-focusing internal engineering.
Driving Hyper-Personalized Financial Services
Fragmented data across legacy CRMs and payment gateways prevents retailers from fully leveraging customer insights. KNEX reconciles these disparate sources into a single, actionable semantic map that identifies specific financial needs at the point of sale.
This high-fidelity data feeds internal intelligence models, enabling the delivery of personalized financial offers and credit products tailored to individual risk profiles and spending habits.