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Case Study

June 5, 2024

Das Bett Transforms POS Financing with Zinia and payever

Discover how a long-established retailer streamlined point-of-sale financing through seamless integration and fully digital processes.

Fintech Resilience Despite Market Challenges

Since its founding nearly three decades ago, Das Bett GmbH has pursued a clear mission: helping people achieve healthy and restful sleep. With its own product line, "Fürstenhof Manufaktur Schlafsysteme", the company offers high-quality mattresses and tailored sleep solutions, all manufactured in Germany. Customers value the combination of long-lasting quality, personalized advice, and a shopping experience built on personal service and sustainability.

The Challenge

Financing has always played an important role for "Das Bett", previously handled through Santander Consumer Finance. However, when Santander fully transitioned its consumer loans to its new subsidiary brand Zinia, the retailer also had to adapt. For "Das Bett", the requirements were clear: the solution needed to be integrated quickly, easily, and reliably, without disrupting business at the point of sale. At the same time, the process for customers had to become more digital, transparent, and straightforward.

commerceOS

​Seamless Payment

Point of Sale

POS Zinia Lending Germany

Solutions in Use: POS Zinia Lending GER & CommerceOS

The Solution: Zinia via payever CommerceOS

Thanks to payever, the transition was completed in record time. For "Das Bett", the entire process was implemented simply, quickly and seamlessly. There were no complex IT projects and no disruption to daily business.

Today, the POS process works like this: the retailer initiates the financing directly via our CommerceOS platform. Customers scan a QR code or receive a link to complete the application. Zinia checks creditworthiness within seconds and, once approved, provides instant confirmation. The purchase is finalized, fully digital and entirely paperless. At the same time, the company retains full visibility through CommerceOS. Financing can be initiated, statuses tracked and all processes centrally managed.

Fast Integration. The complete integration, from signing the agreement with Zinia to the first successfully completed financing, is now 2 to 7 times faster.

​Bis zu

​7x 

Faster

From Weeks to Seconds. Customer applications that once took weeks are now reviewed and approved within seconds.

Seconds

From Weeks to Seconds: Faster Applications & Up to 7x Higher Integration Speed with Zinia

Results

The benefits for "Das Bett" are manifold. Financing decisions are made in real time, eliminating waiting times for customers. The application process is fully digital, avoiding unnecessary paperwork. Zinia ensures reliable weekly payouts, providing additional planning security for cash flow. Customer satisfaction has also increased significantly: a simple and transparent process builds trust and boosts conversion. Particularly remarkable was the transition itself. Thanks to payever, it was seamless and almost “plug & play”.

"The processing is seamless, straightforward, and extremely fast. Our customers can make decisions instantly, we see the status transparently, and thanks to payever the transition was flawless. An outstanding system that we recommend without hesitation."
— Mr. Opitz, Das Bett GmbH

Outlook

Even though consumers are buying more consciously today, flexible financing models remain a key lever in facilitating purchase decisions. With Zinia as the new standard for Santander financing and payever as the technical platform, "Das Bett" is perfectly positioned to continue offering its customers modern, digital payment options while continuously enhancing the shopping experience.

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