What we build
Seven examples of the ground TERO can take on. Not a catalogue: every engagement is shaped around your product, your systems and the outcome you need to move.
Increase conversion in an existing product or onboarding journey.
More of the customers who want your product should get it. TERO rebuilds onboarding, eligibility and activation so interested customers reach the product with less loss along the way, improving conversion in the journeys you already run, measured against the funnel you already own. That includes designing onboarding for regulated financial-services products: identity verification (IDV), credit-exposure logic, decision engines and credit decisioning, and underwriting journeys, built to operate within your regulatory obligations and approval framework.
Launch or reinvent a credit proposition.
Instalments and Buy Now Pay Later are core TERO expertise. Launch your own Buy Now Pay Later proposition, your own embedded instalments proposition, your own credit card, or your own co-branded credit card with a partner—proposition, journey and financial capability designed as one product, built around your customers and your economics.
Streamline payment costs by bringing key gateway software in-house.
External payment gateways can become a significant recurring cost and constrain how transactions are routed, reconciled and improved. TERO can build a payment gateway tailored to your payment flows and operating model, replacing selected third-party software while preserving the integrations your business needs. You gain direct control of the capability, roadmap and cost base, with the commercial case scoped against your current gateway economics.
Reduce servicing cost while improving service.
Use the operational data you already have to build AI-enabled self-service and better-run live operations: customer service, disputes, collections, credit-line management and the operations around them. TERO can work with your existing platforms—or replace selected servicing platforms where that is the better answer.
Drive higher customer lifetime value and repeat use.
Introduce novel earn and burn mechanics, custom loyalty currencies and client-specific systems of record for those currencies, or improve the loyalty system you already operate. Extend loyalty into mobile wallets so customers can hold and spend their currencies online and in-store.
Improve the transaction experience in physical stores.
Make store, web and app feel like one consistent experience. TERO can apply QR code technology and mobile wallets, and work with or modernise your POS systems, so the customer meets the same product at the till, on the web and in the app.
Create a new customer journey without replacing the legacy core.
Innovation doesn't have to wait for a core migration. TERO builds the right interfaces to your existing core systems, so new front-ends and journeys can move quickly while the legacy platform keeps doing what it does reliably.