{"id":1130,"date":"2025-04-28T18:32:43","date_gmt":"2026-05-11T15:47:22","guid":{"rendered":"https:\/\/younited.com\/partners\/reference\/how-artificial-intelligence-revolutionizing-instant-credit-payment-solution-retailers\/"},"modified":"2026-06-02T10:01:42","modified_gmt":"2026-06-02T10:01:42","slug":"how-artificial-intelligence-revolutionizing-instant-credit-payment-solution-retailers","status":"publish","type":"reference","link":"https:\/\/younited.com\/partners\/en\/references\/how-artificial-intelligence-revolutionizing-instant-credit-payment-solution-retailers\/","title":{"rendered":"Payment and AI: How Artificial Intelligence is Revolutionizing Instant Credit for Retailers"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">La Matinale du E-commerce<\/h2>\n\n\n\n<p>During the E-Commerce Morning on April 9th, our B2B Marketing Director, Anne-Gaelle Fauchon, engaged in a pivotal discussion with Eric Latour (Microsoft) on how AI is revolutionizing the customer experience in retail.<\/p>\n\n\n\n<p>Since 2017, Younited has partnered with Microsoft to embed AI at the core of its credit processes:&nbsp; Real-time analysis,&nbsp; More precise risk assessment , Decision-making in under 5 minutes.<\/p>\n\n\n\n<div class=\"wp-block-group alignwide wp-pattern wp-pattern-video has-global-padding is-layout-constrained wp-container-core-group-is-layout-c79060ea wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--4-xl);margin-bottom:var(--wp--preset--spacing--4-xl)\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-8d821dc4 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left\">Watch the replay<\/h2>\n\n\n\n<p>This event took place on april 9th, 2025, and is aimed at marketplace, e-commerce and retail merchants looking to increase their sales online.<\/p>\n\n\n\n<p>In our workshop, discover concrete cases of how AI acts as a booster for e-merchants and retailers.<\/p>\n\n\n\n<p><strong>Watch the replay (in French only)<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"block block--modal-video align wp-block-yuc-modal-video\">\n\t<figure class=\"block__image-wrapper\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"790\" height=\"526\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/lamatinale-avril2025-fr-790x526.png\" class=\"block__image\" alt=\"\" data-location=\"\" \/>\t<\/figure>\n\n\t\t<button type=\"button\" class=\"block__video-button button-reset\" aria-controls=\"modal-video-1\">\n\t\t<span class=\"sr-only\">Play video (displayed in a dialog window)<\/span>\n\t\t<div class=\"block__video-button-icon\" aria-hidden=\"true\">\n\t\t\t<svg class=\"icon icon-play\" aria-hidden=\"true\" focusable=\"false\"><use href=\"https:\/\/younited.com\/app\/themes\/younited-fse\/dist\/icons\/sprite.svg?v=961d9d4b#icon-play\"><\/use><\/svg>\t\t<\/div>\n\t<\/button>\n\n\t<dialog id=\"modal-video-1\" class=\"block__video-dialog\" closedby=\"any\">\n\t\t<button type=\"button\" class=\"block__video-dialog-close button-reset\" aria-controls=\"modal-video-1\" aria-label=\"Close video dialog\">\n\t\t\t<svg class=\"icon icon-close\" aria-hidden=\"true\" focusable=\"false\"><use href=\"https:\/\/younited.com\/app\/themes\/younited-fse\/dist\/icons\/sprite.svg?v=961d9d4b#icon-close\"><\/use><\/svg>\t\t<\/button>\n\t\t\t\t<div id=\"modal-video-1-player\" class=\"block__video-player\" data-youtube-id=\"pIBZwk0LM0I\" aria-label=\"YouTube video player\"><\/div>\n\t\t\t<\/dialog>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-dark wp-pattern wp-pattern-text has-global-padding is-layout-constrained wp-container-core-group-is-layout-0251b133 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Key takeaways<\/h2>\n\n\n\n<p><strong>Younited is Europe\u2019s leading instant credit provider, offering consumer loans with fast credit decisions.<\/strong><\/p>\n\n\n\n<p>The conference highlighted the impact of AI on the credit payment journey for marketplaces, brands, and e-commerce businesses, with examples from Microsoft and Younited.<\/p>\n\n\n\n<p>Here are 4 key takeaways:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-big\">\n<li><strong>Streamlined credit approval<\/strong>: AI enables hyper-personalized data analysis in real-time, facilitating credit acceptance in under 5 minutes.<\/li>\n\n\n\n<li><strong>Enhanced customer experience<\/strong>: Integrating AI into the credit process reduces friction and boosts conversion rates.<\/li>\n\n\n\n<li><strong>Security and efficiency<\/strong>: Microsoft\u2019s Agentic AI autonomously manages product returns and detects suspicious behaviors, ensuring a more secure e-commerce environment.<\/li>\n\n\n\n<li><strong>Synergy between AI and human expertise<\/strong>: AI handles simple and high-volume cases, while humans manage complex situations, optimizing business performance<\/li>\n<\/ul>\n\n\n\n<p>These points illustrate how AI transforms instant credit into a powerful performance lever for retailers.<\/p>\n<\/div>\n","protected":false},"author":19,"featured_media":965,"template":"","meta":{"_acf_changed":true,"content-type":""},"solution":[494],"reference_type":[564],"business_sector":[399],"class_list":["post-1130","reference","type-reference","status-publish","has-post-thumbnail","hentry","solution-pay","reference_type-conference","business_sector-retail"],"acf":[],"yoast_head":"<title>Payment and AI: How Artificial Intelligence is Revolutionizing Instant Credit for Retailers<\/title>\n<meta name=\"description\" content=\"Discover how artificial intelligence is revolutionizing instant credit for retailers. 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