QOMODO S.R.L.

Buying on instalments is as old as commerce itself. But in the era of digital payment, traditional consumer financing has shown all its limitations: slow processes, uncertain approvals, interest rates that discourage purchase. Buy Now Pay Later promised to change this pattern, but in its most widespread form it remained a product designed for e-commerce. Qomodo brings this logic into the physical world, where business is still fully real. Qomodo's BNPL platform allows consumers to spread their purchases over instalments at zero interest through a fast approval process and secure transactions, integrating into the payment flows of physical merchants — shops, professional practices, garages, beauty centres. The experience is digital but the context is brick-and-mortar: the customer is standing at the counter, needs an immediate answer, and Qomodo provides it. For merchants, the value proposition is clear: offering instalment payments increases average transaction value and reduces purchase resistance, especially for goods and services with a medium-to-high ticket price. A customer who knows they can pay in six interest-free instalments is far more likely not to postpone the purchase decision. Qomodo targets a large and fragmented market: Italian retail is dominated by small and medium-sized businesses that have never had access to financing solutions integrated into their payment systems. Simplicity of integration is a critical adoption factor. In a context where the digitalisation of physical commerce is accelerating and consumers expect the same flexible payment options they find online, Qomodo positions itself as the BNPL infrastructure built for real business — not for e-commerce platforms, but for the shops, professionals, and services that form the backbone of the Italian economy.