Сase: How DISKONT Launched Appliance Sales on Installment Plans in Partnership with ATMOS

Just a couple of years ago, customers of DISKONT - one of the largest retailers of electronics and household appliances in Uzbekistan - were increasingly asking: "Can I pay in installments?" The company, which has more than 25 stores across the republic today, understood that demand was growing, and not offering customers a convenient service would be a strategic mistake.

DISKONT has always strived to be one step ahead of its competitors and offer services that meet the expectations of modern customers. However, behind this attractive idea lay a harsh reality: launching an in-house installment plan resulted in numerous difficulties and a significant amount of manual labor.

The "Manual Installment Plan" Problem

Initially, the company decided to organize installment payments on its own, without implementing an automated solution. Customers made purchases in stores, while employees manually entered all data into Excel spreadsheets, verified customers' creditworthiness and documents, maintained records of dozens of concurrent contracts, and called customers with reminders about payment due dates. All of this appeared simple only in theory.

In reality, employees were spending a tremendous amount of time on verifications, while the system remained opaque and unstable. Customer checks were conducted more intuitively rather than based on clear criteria, which increased the risk of non-repayments. Overdue payments were becoming more frequent, and the workload on staff was continually rising. Employees were exhausted by endless phone calls, manual record-keeping, and reconciliations, while clients were not receiving an adequate level of service.

"We realized that we weren't providing customers with the level of service that DISKONT had always aspired to," recalls the head of the sales department.

Searching for Solutions and Getting Acquainted with ATMOS

The management of DISKONT company set a goal to find a partner that would enable them to restructure the installment payment process in a new way: automated, secure, convenient, and without excessive use of employee resources. After analyzing the fintech solutions market, they settled on the payment organization ATMOS.

From the very beginning, it became clear that the ATMOS team was not merely offering technology, but becoming a true partner. The ATMOS team thoroughly immersed themselves in DISKONT's processes, carefully listened to the business needs, helped develop an implementation roadmap, and conducted employee training. They literally guided us through every stage of the project, explaining details, addressing questions, and helping to swiftly resolve any emerging challenges.

"For us, it was crucial not just to purchase the technology, but to implement a solution that truly works. The approach taken by Commercial Director Oybek Safarbaev and the entire ATMOS team became the decisive factor," DISKONT notes.

Implementation

The integration process was surprisingly quick and painless for the business. In just a few days, the ready-made ATMOS solution was incorporated into the company's processes. The system now automatically analyzed clients' creditworthiness, reducing the risk of non-repayment, while debits occurred precisely on schedule without the involvement of employees or the buyers themselves. Clients received convenient SMS and push notifications, always staying informed of their obligations, while DISKONT employees had transparent access to statistics and could monitor the process in one user-friendly interface.

Furthermore, after staff training, the full potential of the ATMOS solution became apparent. Employees began working with intuitive interfaces that displayed all key indicators in real-time. ATMOS graphs, reports, and dashboards made it possible to view the dynamics of installment plans and payments at a glance, making process monitoring not only convenient but also visually informative.

Special attention was given to security. ATMOS ensures full compliance with international PCI DSS 4.0.1 standards, providing reliable protection of cards and personal data. It undergoes regular audits and guarantees operational stability at a level of 99.98%.

Result

After several months, it became evident that the decision had fully justified itself. The network's sales increased significantly, as the option to purchase goods in installments became an additional incentive for customers to choose DISKONT. The number of late payments decreased dramatically thanks to automatic payments and reminders, while employees were freed from routine and tedious work. Now they could focus on what truly mattered - providing quality service and developing the business.

For customers, installment plans have become a convenient and transparent tool, while for the company, they've turned into a reliable and profitable process. The level of trust in the brand has noticeably increased, and DISKONT's image has strengthened both among buyers and in the market.

"Today, offering installment plans is simple for us. We no longer worry about how to remind customers about payments or check their creditworthiness. ATMOS takes care of everything," shares a DISKONT manager.

Conclusion

DISKONT's experience has shown that the right fintech partner can transform even a complex and labor-intensive process into a competitive advantage.

Collaboration with ATMOS not only enabled the implementation of installment payments but also elevated the company's service to a new level - convenient for customers, transparent for the business, and secure at every stage.

Today, DISKONT no longer deals with endless spreadsheets, phone calls, and manual reconciliations - those times are in the past. The future of the network lies in automated service and convenient installment purchases in partnership with ATMOS.