
The BuyNow, Pay Later (BNPL) trend is rapidly transforming the retail landscape, withforecasts suggesting that interest-free credit options will soon surpasstraditional credit cards. Studies indicate that implementing installmentpayment options can boost a business's average transaction value by as much as40%. In this case study, we explore how DBS Technologies, a Russian fintechsolutions developer, collaborated with a major marketplace to develop andenhance their BNPL service.
2experts: a frontend developer and a QA specialist
The clientsought to improve specific functionalities of their BNPL service for ane-commerce platform. Our primary objective was to implement an onlineinstallment application mechanism in partnership with a bank and assist indesign enhancements. Key tasks included:
•Developing new application screens based on the client's design specifications.
• Updatingexisting screens to align with new design layouts.
•Implementing functionality for installment repayment using either a new orlinked bank card.
• Creatinga user-friendly dashboard featuring payment schedules, repayment history, andother functionalities.
•Optimizing application performance for enhanced speed.
•Introducing unit testing to ensure code reliability.
•Developing a Backend for Frontend (BFF) architecture.
•Implementing Continuous Integration/Continuous Deployment (CI/CD) processes,including code checks and vulnerability assessments for dependencies, alongwith linters and code formatting tools.
Our teamundertook a comprehensive approach to address a range of tasks, from minorenhancements to critical application features such as credit productapplications, payment processing, and user account management. To bolsterapplication security, we restricted direct frontend access to the backend andoptimized resource-intensive frontend requests to enhance overall performance.
We playedan integral role in establishing a CI/CD process that incorporated codevalidation against predefined standards, enabling early detection of potentialerrors before deployment. Additionally, we introduced frontend unit testing,significantly improving development quality and allowing for safer codemodifications without jeopardizing existing functionalities.
Qualityassurance was prioritized from the project's inception. We began with thoroughrequirements analysis and the creation of test documentation, including adetailed test plan and checklists. Recognizing the importance of load testing,we selected a tool familiar to the client's team to facilitate easy maintenanceand quick updates in the future.
Throughoutthe project, we encountered challenges related to the test environment and thepartner bank's services. To mitigate downtime, we utilized Storybook—a toolthat allowed us to develop components in isolation. This approach enabled ourteam to maintain productivity while waiting for the test environment or servicesto recover.
Results
The projectwas completed on schedule, and the installment application is being graduallyrolled out to users. Customers can now make purchases using the installmentoption, which is expected to increase both the volume of transactions and theaverage order value over time.