Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Sales Data for Dynamic Supplier Payments
In this episode, Lucas and Luna explore how fintech platforms are using real-time sales data to transform supplier payment terms. They focus on the case of a mid-market electronics distributor that used a fintech API to offer dynamic payment terms — from net-30 to net-5 with a small discount — based on daily point-of-sale data from its retailers. The episode digs into the underwriting logic, the risk pricing model, and why this approach reduces the supplier's DSO by 12 days on average. Lucas explains the role of data ingestion, credit-scoring APIs, and the human element: why suppliers…
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