Poland’s consumer‑credit experience is being rapidly modernised as Ikano Bank and BNP Paribas Bank Polska introduce a BLIK‑based instalment journey that removes paperwork and brings instant, digital‑first lending into physical retail.

By connecting instalment loans to BLIK cheques - single‑use, time‑limited codes sent via SMS - customers can apply online, receive an immediate decision, and complete their purchase in store using only a nine‑digit code and PIN. This streamlined model cuts out manual processes, reduces staff involvement, and allows retailers to scale financing across multiple brands without complex integrations. Built through close collaboration between the banks and supported by new API‑driven infrastructure, the solution delivers a faster, more inclusive, and highly efficient credit experience.

“It wasn’t easy for customers, and it was resource‑intensive for us, too.”