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Case Study
June 5, 2024
Sound of Music digitises its financing from Zinia through payever
How a Stuttgart-based musical instrument retailer is creating new financial flexibility with payever and Zinia
Flexible financing for high-quality musical instruments: a retailer breaks new ground
A musical instrument retailer in Stuttgart offers a wide selection of high-quality products – from guitars to pianos – in a 600 m² showroom. However, when it comes to higher-priced instruments in particular, many customers are faced with the question of financing. The retailer recognised early on that some of its customers would like to pay in instalments – but this was not possible with the previous financing tool, as many applications failed the credit check. The demand was there, but difficult to calculate: ‘Most customers do without financing,’ says the retailer.
From the Yamaha partnership to a seamless financing solution
As part of a partnership with Yamaha, he became aware of Zinia, Santander's financing solution. The technical integration was carried out via payever – and proved to be a decisive step. ‘We came to Santander Bank through Yamaha,’ says the retailer. ‘Since we started using payever, the integration of Zinia has been much easier.’
Seamless Payment
commerceOS
Point of Sale
POS Zinia Lending Germany
Solutions in Use: POS Zinia Lending GER & CommerceOS
Seamless checkout: Customers use Zinia for larger purchases
Today, Zinia is seamlessly integrated into the checkout process – both online and in-store. This gives customers the flexibility to finance their purchases. Even though the retailer emphasises that financing does not yet account for a large proportion of purchases, there is a clear effect on the size of the shopping basket: ‘The average shopping basket is around £200, but financing also makes purchases between £3,000 and £4,000 possible.’ In addition, targeted advertising helps to make the topic of financing more visible and further promotes its use.
Up to
€60.000
Thanks to the integration of Zinia, we also enable shopping carts beyond €60,000 – flexibly financed and seamlessly integrated into the checkout.
‘Simple, trustworthy and technically sound implementation’
For the retailer, one thing is clear: the combination of Zinia and payever offers exactly the flexibility that customers expect when making larger investments – simple, trustworthy and technically stable integration. Or as he sums it up himself:
‘Thanks to payever and Zinia, we were finally able to offer our customers flexible financing – and the technical support made integration a breeze.’
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