GetFinancing and Zibby Join Forces to Offer Best In Class Online Purchase Solutions to the Underbanked at Online Points of Sale

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GetFinancing, a leading provider of Purchase Finance Solutions to Online Retailers, and Zibby, a Premier Lease-to-Own Payment Option for Nonprime Consumers announced today that they reached a definite agreement to add Zibby’s Instant-Decision Lease Payment Options to GetFinancing’s multi-lenders platform.

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GetFinancing’s seamlessly integrated platform, which works with multiple lenders, aligns perfectly with Zibby’s goal of delivering retailers’ nonprime customers an instant, affordable way to pay for life’s necessities

GetFinancing, a leading provider of alternative payments to Online Retailers, and Zibby, a Premier Lease-to-Own Payment Solution, reached a definite agreement to add Zibby’s instantaneous nonprime lease payment option to GetFinancing's suite of consumer credit options.

"Zibby’s market segment and superior technology gives us another way for our merchants’ customers to pay, and consequently dramatically increases their conversion ratio," said Stephane Touboul Chief Executive Officer of Emerging Payments Technologies Inc, the owner of the GetFinancing brand. He adds, "46% of the US population has a FICO score below 700 and 34% of consumers between 18 and 49 years old don't have a credit card. Zibby’s deep understanding of the nonprime and underbanked consumer market need, along with the compatibility of our technologies, makes Zibby a perfect addition to our suite of lenders and payment providers."

Pascal Pegaz-Paquet, Emerging Payments Technologies Inc’s co-founder and a well-recognized internet serial entrepreneur, said, "We are very excited about working with Zibby. Being experts in the nonprime consumer payments and internet space, they bring to GetFinancing a much needed monthly payment solution to a very large segment of the US population, especially in an economic environment where main stream credit granters are not providing a solution."

Brandon Wright, CEO of Cognical Inc., the parent of the Zibby brand said, “GetFinancing is an attractive choice for Zibby. GetFinancing is a sophisticated, elegant ecommerce platform which gives merchants the comfort to know that their checkout page will offer customers instant approval for the lowest-cost payment available, from prime credit to Zibby’s no-credit-needed lease option."

Wright continued, “We are particularly excited by GetFinancing’s proven fraud detection and data mining technologies, which further support our machine learning underwriting engines. We believe that Zibby’s contribution to GetFinancing will undoubtedly boost participating merchants’ conversion ratios and average ticket size, as they can now service over 65 million neglected nonprime consumers.

“Through our alliance with GetFinancing, Zibby is further enhancing merchants’ customers' shopping experience, and allows Zibby to be present on many more checkout pages than stand alone," said Andrew Hancox Zibby’s Chief Operating Officer.

About Cognical:
Cognical was founded at Cornell University where the company's co-founders collaborated to build its proprietary deep learning underwriting platform that uses big data to accurately assess the creditworthiness of nonprime consumers. Cognical's core product, Zibby (, is the 3-minute lease-to-own payment option, available in-store and online. The company's mission is to use technology to grow access and reduce the cost of life’s necessities for nonprime and underbanked consumers.

About GetFinancing:

GetFinancing ( is the main brand of Emerging Payments Technologies, Inc. a leader in alternative billing for over 10 years. Emerging Payments Technologies, Inc. began developing the GetFinancing platform and brand in 2012 to lead the trend in online billing, and dynamic e-Commerce credit. Express Verifiable Authorization is the corner stone of the GetFinancing process. Patented in 2011*, it allows GetFinancing to identify and qualify applicants and make instantaneous credit decisions in less than 5 seconds. GetFinancing's owners have built several major companies and are recognized internet business leaders in the US and Europe in the main stream and alternative payments industry.
*Patent #US 7,177,837,B2
GetFinancing contact: support(at)getfinancing(dot)com
201-865-7600 x103

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Stephane Touboul

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