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gd2VyZSBqb2luZWQgYSBmZXcgeWVhcnMgYWdvIGJ5IGEgd2F2ZSBvZiBmaW50ZWNocy4gVGhlc2UgaW5jbHVkZSBTd2VkZW4mcnNxdW87cyBLbGFybmEsIHRoZSBtb3N0IGVtYmxlbWF0aWMgZmludGVjaCBpbiBFdXJvcGUsIGFzIHdlbGwgYXMgPHN0cm9uZz5DbGVhcnBheTwvc3Ryb25nPiAod2hpY2ggY2xvc2VkIGZvciBGcmFuY2UgaW4gSnVuZSAyMDIzKSwgU2NhbGFwYXksIE1vbGxpZSBhbmQgQW1lcmljYW4gUGF5UGFsLiBGcmFuY2UmcnNxdW87cyBBbG1hIHJhaXNlZCAmZXVybzsxMTUgbWlsbGlvbiBpbiBGZWJydWFyeSwgd2hpbGUgWW91bml0ZWQsIHdoaWNoIHBvc2l0aW9ucyBpdA==","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","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","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","c2Vzc21lbnRzLCBhbmQgd2hpY2ggZG8gbm90IG1lZXQgdGhlIHNhbWUgY29udHJhY3R1YWwgcmVxdWlyZW1lbnRzIChyaWdodCBvZiB3aXRoZHJhd2FsLCBzaWduYXR1cmUgb2YgY29udHJhY3QpIGFzIGNyZWRpdC48L3NwYW4+PC9wPjxwPkhvd2V2ZXIsIHRoZSBleHBsb3Npb24gaW4gQk5QTCwgY29tYmluZWQgd2l0aCB0aGUgaW5mbGF0aW9uYXJ5IGNvbnRleHQgYW5kIHRoZSBmZWFyIG9mIGFuIGV4cGxvc2lvbiBpbiB1bmFmZm9yZGFibGUgZGVwdCwgcHJvbXB0ZWQgcmVndWxhdG9ycyB0byBwcm92aWRlIGEgYmV0dGVyIGZyYW1ld29yay4gSW4gdGhlIEV1cm9wZWFuIFVuaW9uLCB0aGUgRXVyb3BlYW4gUGFybGlhbWVudCBmb3JtYWxseSB2b3RlZCB0byByZXZpc2UgdGhlIEV1cm9wZWFuIENvbnN1bWVyIENyZWRpdCBEaXJlY3RpdmUgb24gU2VwdGVtYmVyIDEyLCAyMDIzLCB0byBpbmNsdWRlIGNyZWRpdHMgdGhhdCB3ZXJlIHByZXZpb3VzbHkgbm90IHN1YmplY3QgdG8gdGhlIHJlZ3VsYXRvcnkgZnJhbWV3b3JrLCBzdWNoIGFzIEJOUEwsIGhpcmUgcHVyY2hhc2UgYW5kIGZpbmFuY2luZyBmcm9tIHBhcnRpY2lwYXRvcnkgbGVuZGluZyBwbGF0Zm9ybXMuIFRoZSBkaXJlY3RpdmUgZG9lcywgaG93ZXZlciwgaW50cm9kdWNlIGEgcHJpbmNpcGxlIG9mIHByb3BvcnRpb25hbGl0eSBmb3IgdGhlIGxlYXN0IHJpc2t5IGxvYW5zLCBub3RhYmx5IGFzIHJlZ2FyZHMgdGhlIGFuYW202505+kAcZ0Kb4WNx5c2lzIG9mIGNyZWRpdHdvcnRoaW5lc3MuIFRyYW5zcG9zaXRpb24gaW50byBuYXRpb25hbCBsYXcgd2lsbCB0YWtlIDIgeWVhcnMsIGZvbGxvd2VkIGJ5IGEgZnVydGhlciB0d2VsdmUgbW9udGhzIGZvciBpbXBsZW1lbnRhdGlvbi48L3A+PHA+PHNwYW4gc3R5bGU9ImZvbnQtd2VpZ2h0OiA0MDA7Ij5JbiB0aGUgPHN0cm9uZz5VLksuLDwvc3Ryb25nPiB0aGUgRkNBIGhhcyByZXZpZXdpbmcgdGhlIG9wdGlvbnMsIGV4cHJlc3NpbmcgY29uY2VybiBhdCB0aGUgZ3Jvd2luZyB1cw==","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","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","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","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","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","ZS00ZmYwLTQ4ZDYtYjliMS05NzNhOWRkNGU4ZDkiPkZpbmFuY2lhbCBUaW202505+kAcZ0Kb4WN1lczwvYT4sIEphbnVhcnkgMjAyMykuPC9zcGFuPjwvcD4K"]}
In Europe, fractional payments are becoming the norm
Initially introduced by major retailers, fractional payment (online and in-store) has become more widespread in recent years, with the arrival of new, innovative players in the segment. At the same time, the use has exploded to the point of worrying regulators and prompting rules to supervise these solutions. This prompted specialists to make greater use of technological innovations, such as open banking, to streamline processes while improving the assessment of customer creditworthiness.
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