Private Label
According to World Bank data, 2.5 billion people around the world do not have access to banking services such as accounts and credit cards. In Brazil, it is almost 40% of the population without access to this type of services and, from the 5570 cities in the country, 1989 do not have even one banking agency.
The number of people reached by the explosion of technological access occurring in the world since the 90’s, is terrifying. So, whether you are a citizen with difficult access to banking services, or even a shopkeeper always attentive to new opportunities, the Private Label is for you!
The Private Label is a type of credit card issued by a specific store and generally valid only in that establishment issuing the card. This type of service already represents 12% of credit card billing in Brazil, according to data from the Brazilian association of credit card companies and Services (ABECS).
If you are a user, this means easy access to the credit card, exclusive promotions and payment with differentiated credit options. In other words, exclusivity, convenience and better prices.
The invoices of these cards can be paid with the lunes tokens, by means of bank transfers and even within the establishment issuing it. You will be able to issue traditional and prepaid credit cards so that both user and shopkeeper can plan their month’s spending.
Now, if you are a shopkeeper and want to issue your own credit card, the Lunes Private Label allows you to personalize the look of your card, with the right to create loyalty programs and varied invoice payments.
A Private Label is an extremely efficient solution, too, when the subject is franchises. The ease of transaction in cost and speed are all founded on the well-known facilities of blockchain technology, which increases the shopkeeper’s independence in relation to traditional banking systems.
We know that eventually the shopkeeper will want to exchange his tokens lunes for Fiat coins, as is the Brazilian Real, for example. In advance of these needs, we have already planned a series of flexible and easy-to-implement solutions.
Thus, the conversion of Token Lunes to the Real, for example, has its costs. Our solutions consist of choosing packages to make the transaction cost between currencies, accessible and predictable.
Depending on the package of solutions chosen by the trader, it may have the costs in transactions within its trade reduced by up to 80% compared to the conventional Private Label that already operate in the market.
So, whether you’re a consumer or a shopkeeper, Lunes brings efficient and inexpensive solutions: ease of purchase, payment options and much more. But this is just one of the team Lunes solutions for you.
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