bundll gives users a virtual card to use in their Apple or Google Pay wallet to shop at any online or retail outlet that accepts Mastercard. Purchases over the period of a week are bundled into a single amount that can be paid off after a certain amount of time, interest-free. This provides an advantage over a traditional BNPL transaction that requires both a merchant and customer to be signed up to the same service.

hummgroup partnered with us to build bundll. Our broad, cross-industry experience in building unique mobile apps meant that we already had the necessary toolkits and processes in place to build a product of bundll’s size and complexity. We quickly ramped up a large product team, including designers and developers, to take on the product build and deliver within a tight timeline.

We ensured that the backend architecture could accommodate multiple dependencies and moving parts, all of which needed to communicate with each other successfully during the onboarding process and day-to-day operation of a user’s bundll account. We were able to deploy our existing mobile framework and development practices for bundll, and run at a high development speed in order to roll out functionality screen-by-screen. bundll launched a mere 4 months after we first took on the project, and our focus shifted to supporting hummgroup’s fraud mitigation efforts. As with any financial services product, bundll is a target for fraud attempts, requiring constant improvement and vigilance to ensure a secure experience for users. 

Our secondary focus is on continuous improvement in bundll's offering, mainly through the rollout of the app’s paid features, Paid Snooze and superbundll. bundll users are given a free Snooze that they can use to give themselves more time to pay; Paid Snooze allows additional Snooze periods. superbundll collates multiple bundlls for a flat fee, unlocking a higher limit and longer to pay.