Portfolio Health Summary
Live snapshot of the entire BNPL book — how much is deployed, how much is at risk, and how repayments are trending
Ft389k
56% of Ft700k total limit used
3 of 6
50% healthy repayment rate
2
2 plans past due date
1
Frozen pending customer action
Ft4380k
+6.8% vs prior month
3 of 6
Avg on-time payment rate: 71%
Active Repayment Plans
Each row is one purchase split into instalments. The progress bar shows how many have been paid. Late or suspended plans are highlighted.
All instalments paid on schedule
All instalments paid on schedule
One or more missed payment deadlines
Plan frozen — awaiting customer action
All instalments paid on schedule
One or more missed payment deadlines
Customer Account Health
Credit limit vs amount currently in use. High utilisation (orange/red bar) combined with low on-time payment rate (%) is the key risk signal.
Merchant Performance
Total purchase volume processed and what share of plans went late per merchant. High late rate means that merchant's customers may need tighter limits.
7-Month Volume Trend
Total new BNPL purchases originated each month (purple) vs total overdue amounts outstanding (yellow). Healthy portfolios show volume growing while late amounts decline.
BNPL Checkout Simulator
Simulate what a customer sees at checkout. Select a merchant and purchase amount, choose how many instalments, then run the AI decision engine to see if the plan would be approved.
1. Configure purchase
2. Choose split
How many equal, interest-free instalments? Longer plans carry higher default risk for the lender.
3. AI decision
The AI checks credit utilisation, repayment history, and fraud signals before approving.