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ByteOasis Technologies

Fly Now, Pay Later

Regulated consumer finance, embedded in the airline booking journey.

Enterprise engagement

  • Client

    Emirates Group — enterprise engagement

  • Platform

    Enterprise web + API services integrated into the airline booking ecosystem

  • Market

    Emirates Group — international customer base

  • Our role

    Senior engineering talent delivering core capability across the product

Airline fintech

Instalment travel finance embedded in the airline booking journey, at airline scale.

  • Real-time KYC + AML/sanctions screening
  • Automated affordability and credit decisioning
  • Tokenised recurring card payments
  • Built for airline scale
The Fly Now, Pay Later object.

A flagship enterprise engagement within the Emirates Group digital ecosystem. Fly Now, Pay Later re-imagines how travellers pay for air travel: customers book and fly today, and settle the fare in structured monthly instalments. ByteOasis senior engineering talent delivered core capability across the product.

  • Client

    Emirates Group — enterprise engagement

  • Platform

    Enterprise web + API services integrated into the airline booking ecosystem

  • Market

    Emirates Group — international customer base

  • Our role

    Senior engineering talent delivering core capability across the product

  • Status

    Enterprise engagement

The problem.

Letting a traveller book and fly today and pay over the months that follow means embedding regulated consumer finance directly into the airline booking journey. An instant instalment offer can only be made safely if identity is verified, sanctions are screened, affordability is assessed and the card is tokenised for recurring collection — all in the seconds the booking flow allows, and at airline scale.

A flight purchase becomes a credit decision, made at the point of booking.

What we built.

Seamless booking-flow integration on top of a rigorous risk and compliance core.

  • The platform pairs booking-flow integration with the controls a regulated lender needs. Each step runs at the point of application, so the customer sees one journey while the risk engine does its work behind it.

  • Instalment-based flight purchase inside the airline booking journey
  • Real-time KYC verification at the point of application
  • AML and sanctions screening at the point of application
  • Automated affordability and credit decisioning
  • Instalment scheduling and collections
  • Secure tokenised recurring card payments
  • Enterprise web and API services integrated into the airline ecosystem

The outcome.

Instant instalment offers can be made safely, at airline scale: the airline is protected through bank-grade onboarding and screening controls, and travellers get a way to pay that fits how they live.

Premium air travel opened to a broader customer base, with the airline protected.

  1. Opens premium air travel to a broader customer base

  2. Bank-grade onboarding and screening controls protect the airline

  3. Instant, safe instalment offers at airline scale

Services onthis engagement.

KBC Digital Ecosystem

Three products on one codebase, with compliance enforced at the point of matching.

Next case study
The KBC Digital Ecosystem object.

Let’s build Africa’s digital future together.

Whether you have a defined product brief or an idea on a napkin, we’re ready to listen, advise and deliver. We reply within one working day from Windhoek.

Start a project info@byte-oasis.com.na