A Strategic response to a regulatory change, powered by MS Solutions Group
BTK Bank has been awarded product of the year 2026 for its innovative Buy Now Pay Later (BNPL) solution, “Super Facilité.” This distinction highlights BTK Bank’s leadership in transforming regulatory change into accessible, flexible, and fully digital financial services in strategic collaboration with MS Solutions Group.
Modernising deferred payments in a changing regulatory environment
Founded in 1981, BTK Bank (Banque Tuniso-Koweitienne) is a leading universal bank delivering a comprehensive portfolio of financial products and services to individuals, professionals, SMEs, and corporate clients. With over four decades of banking expertise, BTK Bank continues to strengthen its market position through innovation and a strong commitment to customer-centric excellence.
As part of the transformation of its digital payments infrastructure, BTK Bank has maintained a strategic partnership with MS Solutions Group since 2014, leveraging advanced issuing and acquiring technologies to continuously modernize its payment ecosystem.
Recently, with the enforcement of the new checkbook regulation, the local payment ecosystem has undergone a structural transformation. Historically reliant on checkbooks as a deferred payment instrument, the market required a secure, compliant, and scalable digital alternative capable of supporting an embedded finance model at the merchant point of sale while fully adhering to the new regulatory framework.
BTK Bank faced clear challenges:
- Meeting growing customer demand for flexible instalment payments
- Complying with the new checkbook regulation
- Preserving regulatory compliance and risk governance standards
- Guaranteeing merchant settlement certainty
- Leveraging its existing payment infrastructure while preventing
- additional provider fragmentation
Super Facilité, a 100% Digital BNPL Experience
Instead of launching a standalone credit product, BTK Bank relied on MS Solutions Group to efficiently address this strategic challenge; a decisive move that accelerated time to market and optimised operational efficiency.
“Super Facilité” was designed around real market needs and customer behaviour:
- Instant digital activation via the BTK mobile payment application, SPARK Mpay
- Flexible repayment options ranging from 2 to 12 monthly instalments
- No paperwork, with a fully automated customer payment journey
- Use of the customer’s existing card, with no dedicated card required
- Automated eligibility assessment with dynamically calculated credit limits, ensuring a smooth and user-friendly payment experience
- Availability across all merchants’ POS networks
- Unlocking a new revenue stream for retailers through immediate full payment of the transaction amount, ensuring strong cash flow, zero collection risk, and enhanced sales performance
Awarded based on rigorous criteria including perceived innovation, attractiveness, purchase intention, and real-life user satisfaction, the Product of the Year 2026 recognition confirms the tangible value of Super Facilité and its measurable impact on payment practices. This achievement reflects BTK Bank’s strategic vision and underscores the strength of its partnership with MS Solutions Group in delivering scalable and compliant digital payment solutions.
By capitalising on its long-standing partnership with MS Solutions Group and leveraging the modular capabilities of the SPARK platform, BTK Bank delivered a compliant, issuer-driven BNPL model fully embedded within its issuing and acceptance architecture.
Beyond issuer-driven configurations, MS Solutions Group also enables acquirer-led BNPL models through the SPARK platform, allowing financial institutions to deploy merchant-centric instalment capabilities when aligned with their commercial and risk strategies.
This dual architecture, issuer-driven or acquirer-driven, provides banks and payment institutions with structural flexibility, ensuring alignment with regulatory requirements, settlement models, and ecosystem positioning.
Super Facilité stands as a reference model for digital instalment payments, demonstrating how infrastructure control and architectural flexibility translate into sustainable competitive advantage.
