BoursoBank: designing credit products for a leading 100% online bank

CLI€ financing allows you to deal with an unforeseen event or simply to make favorite purchases by facilitating payments from €200 to €2,000. The request is made completely online and the funds are paid immediately or within 14 days. Fees apply depending on the amount borrowed.

Integrate the possibility of paying via CLI€ financing into The Corner browser in order to facilitate access to CLI€, create new product entry points, and get as close as possible to the promotion of BNPL by e-retailers.

• Create interfaces and prototypes that meet business needs
• Take into account design, technical and legal constraints
• Get as close as possible to the existing browser so as not to distort it

Accessible from The Corner within the application, BoursoBank's own browser allows you to benefit from a better customer experience for e-commerce purchases from partner brands on off-the-shelf sites which offer a discount in the form of cashback or immediate discounts: Hotels.com, Booking, Promosejours, Cdiscount, Samsung, HP…

• In order to determine the customer's eligibility, their bank account is analyzed. In our case, the customer does not select their account but a card. In the back, the card allows you to find the linked account and carry out the analysis.
• A card must be selected first in order to save the data so that it can be pasted at the time of payment.
• The amount of the current basket cannot be identified. Technically, it is impossible to retrieve this data from partner sites.
• A customer cannot combine several CLI€ financings.

The browser extension includes:

• Pay button — opens the payment sheet.
• Info button — provides a reminder on how to use the navigation corner and highlights two products: CLI€ and Bourso Protect (insurance).
• Meatball menu — redirects users to The Corner environments.

When a customer visits a partner website for the first time, an introductory information sheet is displayed.

By clicking the Pay button, the customer can select the card they want to use. Each card is identified by a dedicated icon, making it easy to distinguish between them. The list of available cards varies depending on the customer's card portfolio (physical and/or virtual cards).

The customer then chooses their preferred payment method: pay in full or CLI€ financing.

The customer chooses their preferred payment method: pay in full or CLI€ financing. A screen highlighting the product's key benefits is shown first to reassure the customer before subscription. They then enter the desired financing amount within the available limit — fees are calculated dynamically — select a repayment date, review the schedule, accept the terms, and complete a strong authentication step.

Once authentication succeeds, the financing is approved and funds are made available immediately. A confirmation page is shown and a confirmation email is sent. The customer can then finalize their purchase — as their card details were saved beforehand, payment fields autofill. They must fully repay the current CLI€ financing before subscribing to a new one.

A Lombard loan is a loan secured by your investments. You pay only the interest every three months and repay the full amount at the end of the loan or earlier if you wish. You can borrow up to 50% of the value of your eligible investments, and throughout the loan, your pledged assets must remain worth at least 180% of the amount you borrowed.

• Integrate the revenue detection module into the existing loan journey
• Automate the loan decision by applying the lending rules and calculating the debt-to-income ratio
• Perform all eligibility checks and apply any blocking conditions automatically
• Eliminate the manual review step by providing an immediate, final decision at the end of the application
• Remove the need for customers to submit supporting documents

Implement a fully automated subscription process: automatically detect the customer's income and expenses from their BoursoBank accounts, and automate the online decision process to reduce the opportunity lead time and provide an immediate response.

• Design interfaces while taking legal and technical constraints into account
• Ensure compliance with the Design System and brand guidelines
• Follow the delivery process and collaborate closely with the project, compliance, and engineering teams

Customers who do not wish to provide their impots.gouv.fr credentials can choose an alternative journey by uploading supporting documents. They will be redirected to the offer page and will have 15 days to submit a new application with the required documents.

The customer starts the subscription journey after completing a simulation from the product offer page. The Personal Information and Project steps are identical across all scenarios.

The journey supports four scenarios:

• No income is detected, so the customer authenticates with their impots.gouv.fr credentials for automatic income detection.
• Income is detected but is outdated, so the customer updates it through the detection module.
• Income is detected and already up to date, allowing the customer to continue directly.
• The customer chooses to upload supporting documents instead. They are redirected to the offer page and have 15 days to submit a new application while keeping the same interest rate.

Once the income is validated, the customer continues the journey. BoursoBank loan repayments are detected automatically, while existing mortgages and personal loans are pre-filled. Additional external expenses can be entered manually.

The customer then reviews the loan offer and personal information, signs the contract electronically, and completes the subscription. The signed contract is available from their customer area.