Enterprise SAP Solutions

SAP IS Retail Microfinance Integration Solutions

Comprehensive integration solutions for furniture retailers using SAP IS Retail with Customer Checkout Options (CCO). Enable immediate furniture delivery upon down payment with seamless third-party finance provider integration.

3
SAP Process Options
5
Finance Scenarios
85%
Target Approval Rate
Finance Integration
Synchrony
SAP CCO
Delivery

Finance Options Overview

Comprehensive microfinance solutions designed for furniture retail operations with immediate delivery capabilities.

Third-Party Finance Providers

Synchrony Pay Later

Bank-like financing with predictable equal payments

Flexible payment periods
Established furniture retail partnerships

Affirm BNPL

No late fees, no hidden charges, flexible plans

0% APR options available
Apple Pay integration for in-store purchases

Internal Credit Programs

88-Month Furniture Financing

For purchases ≥$699 with 35% down payment

No interest with equal monthly payments

88-Month Mattress Financing

For purchases ≥$1,699 with 35% down payment

No interest with equal monthly payments

60-Month Tempur-Pedic

For purchases ≥$2,999 with no down payment

Premium mattress financing

SAP Process Options

Three comprehensive integration approaches designed for different business needs and technical requirements.

Direct API Integration

Fastest implementation with real-time processing

Customer Checkout
SAP CCO
Finance API
Delivery

Real-time Integration

SAP Cloud Platform Integration (CPI) for instant processing

Immediate Approval

Direct API calls during checkout for instant decisions

Auto Order Creation

Automatic sales order generation in IS Retail

Data Synchronization

Customer master updates with finance agreements

Benefits

  • Fastest implementation timeline
  • Real-time customer experience
  • Direct control over integration logic
  • Minimal middleware complexity

Considerations

  • Requires robust error handling
  • Direct dependency on provider APIs
  • Limited flexibility for future providers

Event-Driven Architecture

Scalable asynchronous processing

Most Scalable
Checkout
Event Mesh
Middleware
Delivery

Event Mesh Processing

SAP Event Mesh for asynchronous workflows

Provider-Agnostic

Middleware handles multiple provider protocols

Split Payments

Handle down payment and finance portions

Exception Handling

Comprehensive error management workflows

Benefits

  • Scalable for multiple providers
  • Improved system resilience
  • Better performance under load
  • Flexible integration patterns

Considerations

  • More complex initial setup
  • Requires event mesh infrastructure
  • Potential processing delays

Embedded Finance Platform

Superior customer experience

Best UX
Widget
SAP BTP
Contract
Delivery

Embedded Widgets

Pre-integrated finance widgets in CCO interface

Instant Decisions

Soft credit pulls for immediate approvals

Digital Contracts

Automated contract generation and e-signature

Analytics Dashboard

Comprehensive finance performance insights

Benefits

  • Superior customer experience
  • Fastest credit decisions
  • Integrated contract management
  • Advanced analytics capabilities

Considerations

  • Highest implementation complexity
  • Requires BTP licensing
  • Provider SDK dependencies

Implementation Roadmap

Phased approach to ensure successful deployment with minimal business disruption.

1

Foundation Setup

Months 1-4
SAP IS Retail Configuration
CCO Cloud Edition Deployment
Synchrony Integration (Option 1)
Outcome: Immediate ROI with Synchrony financing for high-value furniture purchases
2

Expansion

Months 5-8
Affirm BNPL Integration
Internal Credit Card Processing
Analytics & Reporting Setup
Outcome: Complete finance option portfolio with comprehensive reporting
3

Optimization

Months 9-12
Migrate to Event-Driven Architecture
Advanced Features Implementation
Performance & Security Optimization
Outcome: Scalable, high-performance finance platform ready for growth

Success Metrics

85%
Credit Approval Rate
<3s
Processing Time
99.9%
System Availability
60%
Finance Adoption

Technical Specifications

Comprehensive technical requirements and architecture details for successful implementation.

SAP Components

  • SAP S/4HANA Public Cloud Retail
  • SAP Customer Checkout (Cloud Edition)
  • SAP Cloud Platform Integration (CPI)
  • SAP Business Technology Platform (BTP)
  • SAP Event Mesh (Option 2)

Integration Standards

  • RESTful APIs with OAuth 2.0
  • JSON for real-time transactions
  • XML for batch processing
  • End-to-end encryption
  • PCI DSS compliance

Performance Requirements

  • Sub-3 second response times
  • 99.9% uptime SLA
  • Peak holiday load support
  • Multi-region deployment
  • Real-time monitoring

Security & Compliance

  • Encryption at rest and in transit
  • Regular security audits
  • Automated failover
  • Circuit breaker patterns
  • Comprehensive logging

Ready to Transform Your Furniture Retail Operations?

Let's discuss how our SAP IS Retail microfinance solutions can accelerate your business growth and improve customer experience.

Address

Neural Arc
301, Trimurti HoneyGold, Range Hills Road
Pune 411 007

Email

solutions@neuralarc.ai