„Lack of easy installment system in physical stores. Need to fill out paper forms. No integration with store payment systems. Result? Customer leaves empty-handed."
Case study · Fintech
Game changer
Game changer
in installment
financing_
We built for Oney Polska a system that shortens the installment loan application process to 3 minutes 36 seconds — 100% online, paperless, no bank visit needed.
Client
Oney Polska S.A.
Collaboration
10+ years · OneyRaty
since 12.2019
since 12.2019
Product partner
Smartney · Oney Group
Bank
Bank
Trusted by_
01 · Challenge
The retail industry needed
The retail industry needed
truly online credit_
We've been working with Oney Polska for over 10 years — providing them with secure, scalable, custom IT systems. In December 2019, together with product partner Smartney (a fintech startup from Oney Bank Group), the most ambitious project launched: OneyRaty — an installment payment model in physical stores of Leroy Merlin, Auchan, Decathlon, and Media Markt.
What hurt the most
Application time
paper forms and manual verification meant 30–60 minutes at the checkout. Customer abandoned the purchase.
Store employee burden
cashiers instead of processing sales were helping fill out loan forms.
No integration
each retail partner (Leroy Merlin, Auchan, Decathlon, Media Markt) had a different payment system.
Barrier to entry
installing a dedicated app on store devices blocked scaling to new sales points.
Offer complexity
different payment schedules, "Club member" offers, deferred payments up to 30 days — all had to work in one calculator.
02 · Solution
We built OneyRaty — a fully
We built OneyRaty — a fully
online credit platform_
A system enabling physical store customers to quickly and remotely apply for installment financing — no app to install, no paper, no leaving the store.
Architecture that scales to 300+ points of sale
We opted for a modern technology stack and API-first architecture, enabling easy onboarding of new retail partners without interfering with their POS systems. The customer scans a QR code or clicks a link — and gets a credit decision in under 4 minutes.
Purchase financing
fully online, available to retail customers at the partner's point of sale.
Payment by code at checkout
after the loan is approved, the customer receives a unique code to pay with at the store checkout. Zero cash, zero card.
Flexible repayment schedules
and deferred payments (BNPL model — buy now, pay later).
Entire credit process online
from creditworthiness verification to contract signing. No contact with Oney or store staff required.
Accelerated creditworthiness verification
automatic real-time decision.
DEMO accounts
for store employees — easy way to demonstrate the process to customers.
03 · Product
This is what OneyRaty looks like in action_
Four key screens of the user journey — from partner selection, through payment calculator, to application form. Each element was designed for specific KPIs: conversion, execution time, completion rate.
04 · Numbers
Results that speak for themselves_
5 years of development, 300+ sales points, millions of transactions processed. KPIs speak louder than sales presentations.
3:36
shortest application completion time — from phone number verification to payment at checkout
7000+
active users by end of 2022 — during dynamic scaling
10+
integrations with payment and banking systems (including Smartney, BNP)
99,9%+
system uptime — fintech-grade SLA throughout 5 years of partnership
300+
sales points served by OneyRaty in partner networks
05 · Technologies
Stack chosen for fintech-grade
Stack chosen for fintech-grade
requirements stay put
Security, performance, auditability — in the financial sector these are not buzzwords. We selected technologies that have been the standard in banking and payments for years.
Backend
C# / .NET MSSQL MongoDB WebSocket
Frontend
Vue.js HTML5 CSS3 JavaScript Bootstrap
Veloce Products
V.Deploy V.Api
Methodology
SCRUM CI/CD Code Review WCAG 2.1
Veloce team on the project
8 specialists dedicated to OneyRaty
Architect ×1
Frontend Developer ×2
Backend Developer ×5
Average experience 5+ years
Work mode SCRUM
Why this composition? Fintech requires backend strength (credit logic, integrations, audit). One architect ensures system coherence, two frontend developers deliver UX aligned with client mockups.
06 · Process
How we worked on OneyRaty_
We carried out the OneyRaty.pl project using Scrum methodology, which allowed us to maintain a perfect balance between organized structure and the flexibility essential in fintech.
01
Planning and analysis
We started with a deep understanding of business goals and the specifics of Oney's installment processes. Priority: architecture that processes applications instantly, while maintaining the highest standards of financial data security.
We thoroughly analyzed user journeys and technical requirements for integration with banking systems and partners' e-commerce platforms. We defined key performance parameters and the project roadmap — taking into account legal aspects of the financial sector and digital accessibility requirements (WCAG 2.1).
02
Development
We focused on precise implementation of features according to mockups prepared by the client's UX/UI team. Every element was programmed as a direct reflection of the decisions made during the planning phase.
The smoothness of this process was ensured by our work model based on constant contact with the client — thanks to a transparent reporting system, the partner had continuous visibility into progress and could verify implementation of business assumptions on an ongoing basis.
03
Testing
A critical stage — we approached it with the utmost care. Every new feature was verified multiple times across different environments, using a wide range of mobile devices and browsers.
This rigorous approach allowed us to effectively detect and eliminate any anomalies, ensuring end users a smooth and trouble-free experience from the moment the application launched.
04
Deployment
Thanks to using our proprietary V.Deploy tools, configured specifically for this application, the deployment process ran smoothly and safely. "Deploy" was not just the moment of moving code to the production environment — it was a time of final verification tests, which were the ultimate guarantee of system reliability under real usage conditions.
05
Continued development
The OneyRaty.pl application continuously evolves, responding to changing market and user needs. Our efforts focus on maximally simplifying the purchase journey and financing process.
As part of ongoing development, we optimize the UI/UX layer, integrate the system with new partners (including BNP), and implement modern, faster identity verification methods. Focusing on digital accessibility, we adapted the application to WCAG 2.1 standards, enabling comfortable use of the service for people with visual impairments.
07 · Benefits
What Oney Polska gained from
What Oney Polska gained from
this partnership _
5 years of joint development, dozens of updated modules, continuous product evolution — here are the concrete business benefits we delivered.
Simplified application process
From 30–60 minutes at the checkout to 3 min 36 sec online. The customer starts and finishes the process on their own smartphone.
Reduced burden on store staff
Cashiers no longer fill out paper forms — they focus on sales. Point of sale efficiency increases.
Fully online contract
The entire process — from verification, through decision, to contract signing — happens in the browser. Zero paper.
No app installation
The customer downloads nothing — a link or QR code is enough. Zero friction → higher completion rate.
Simple implementation for stores
A new retail partner connects in days, not months — thanks to API-first architecture and V.Api.
WCAG 2.1 digital accessibility
Comfortable use of the service also for people with visual impairments — compliant with the EAA directive.
08 · 10+ years of partnership
OneyRaty is one of many projects
OneyRaty is one of many projects
for Oney_
We've been working with Oney Polska for over a decade. We deliver, maintain, and develop custom IT systems that support key business processes.
Flagship project
OneyRaty
Web application for installment financing in physical stores. Deployed after 12 months of joint work. 300+ points of sale, 7000+ users.
Insurance system
Insurance sales
Custom system for selling Oney's insurance products. Full integration with sales processes and external partners.
Process automation
Back-office processes
Automation of Oney's key internal processes — from application verification to reporting. Operational cost optimization.
09 · Client testimonial
Words from Oney Polska_
" For over 10 years Veloce has been delivering secure, scalable, custom IT systems and supporting us in implementing innovative projects. Thanks to this, our financial services for the retail industry and payment solutions are competitive and modern.
A great example of an innovative and quickly delivered project is the OneyRaty service — an installment payment model available as a web application. This is a revolutionary solution that allows you to get a loan for a purchase in a physical store or e-commerce within minutes, with just a few clicks on a smartphone.
The complete IT solution to support this product was deployed after a year of joint work. Today the application keeps breaking sales records, and Veloce is responsible for its maintenance and development"
" Above all, Veloce is a phenomenal, professional team. Working on projects with such a team is not only a pleasure, but also brings concrete business benefits. Besides OneyRaty, Veloce implemented a new insurance sales system for us and automated many processes. Every IT solution delivered by Veloce fully meets our needs. "
10 · Related services
We deliver similar projects in
We deliver similar projects in
fintech and beyond_
If you're planning a digital transformation in finance, e-commerce, or retail — check out the services Oney used.
Service 01
Custom software
We build IT systems from scratch — tailored to your business's specific needs. No off-the-shelf templates, no compromises.
Service 02
Process automation
We eliminate paperwork, manual verifications, and bottlenecks. Your employees focus on business, not spreadsheets.
Service 03
See our projects
TUI Poland, Medicover, mBank and others — see how we deliver IT projects for the biggest brands.
11 · Let's talk
Let's discuss your project_
Within 24 business hours we'll reach out with a proposal for an initial, no-obligation consultation. We don't sell — we advise. This is the first step to understanding whether Veloce is the right partner for your organization.
- Free 30-minute consultation with a senior developer and business analyst
- Initial feasibility assessment, technology recommendations, and budget estimate
- NDA signed before discussing any details about your business
- No sales pressure — you can simply benefit from our expertise
Direct contact_