“Can Crediviva become Panama's dominant BNPL and POS lending platform by digitizing installment credit for consumers without credit cards?”
Crediviva launched in Panama in 2018 as a POS lending / BNPL fintech enabling consumers to purchase in installments at partner merchants without a traditional credit card. The platform operates 100% digitally using Yappy (a Panamanian mobile payment platform) as a payment rail. With over 30 affiliates and a lean team of ~33 employees, the company focuses on underserved Panamanian consumers who lack access to traditional credit.
Crediviva uses Persona for KYC and identity verification.
The Embedded Finance Index 2026 maps 2 layers in Crediviva's stack: Lending (POS installment loans (with interest), POS installment loans (interest-free) and BNPL at merchant point-of-sale); KYC (Persona).
Crediviva is founded in 2018 and headquartered in Panama City, Panama.
Get a read on where your own stack stands against Crediviva and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.