Today’s consumers are looking for more product choices. They want greater flexibility, simplicity, and control over how they shop. Through Snappi’s partnership with Public, this new expectation is transformed into a comprehensive shopping experience.

At Snappi, we believe that better financial choices unlock better everyday experiences. That’s why our partnership with Public marks an important milestone. Not only by expanding payment options, but by also redefining how people shop, decide, and move forward with confidence.

To explore this shift, we spoke with Christos Skoularikos, Services & Business Development Director at Public, about customer expectations, trust, and the role of flexibility in today’s retail experience.

A Shared Vision: Empowering People Through Choice

As one of the largest omnichannel retailers of technology, home appliances, and entertainment in Greece and Cyprus, Public continues to invest in services that simplify every stage of the shopping experience, from product discovery to payment and delivery.

This philosophy is fully aligned with Snappi’s approach, which develops financial tools that don’t create barriers for customers but instead give them more options.

“Customers don’t just evaluate the product they’re buying. They evaluate the entire experience. Our goal is to remove any unnecessary hurdles from this journey and offer solutions that make their daily lives easier,” says Christos Skoularikos, Services & Business Development Director at Public.

Today’s consumers are looking for more than just products. They expect:

• Freedom to choose
• Frictionless shopping experiences
• Real value for money
• Flexible ways to pay, tailored to their needs

Together, Snappi and Public are responding to these expectations with solutions that put the customer firmly in control.

Bringing Flexibility to Every Purchase

With Snappi Pay Later now available at Public stores and on public.gr, customers can split their purchases into four interest‑free installments directly at checkout, seamlessly through the Snappi app.

No additional accounts. No extra steps. Just a simple, integrated way to manage spending.

Whether it’s a new smartphone, a laptop, a home appliance, or any other major purchase, customers can proceed with greater confidence by choosing the payment method that best suits their needs.

“Flexible payment solutions aren’t just an add-on service. They’re an integral part of the modern retail experience and the overall value a brand offers its customers,” notes Christos Skoularikos.

Removing Friction, Adding Confidence

One of the key challenges in modern retail is striking a balance between a wide range of options and simplicity. When the checkout process creates obstacles, the experience loses its value.

Snappi Pay Later addresses this directly by:

• Removing friction from the purchase journey
• Giving customers control over how and when they pay
• Delivering a seamless, fully digital experience

The result? Shopping feels easier, faster, and more aligned with real-life needs.

Building Trust Through Experience

Trust sits at the heart of both Snappi and Public. It’s not just about secure transactions, it’s about creating an environment where customers feel understood, supported, and confident in their decisions.

Snappi’s fully digital banking model – licensed by the European Central Bank – has been designed with strong principles of transparency, security, and responsible credit at its core.

For Public, trust is reflected in something even more tangible: customers coming back again and again, knowing they will find the right products, services, and experiences for every stage of their lives.

What Makes a “Good Purchase” Today?

In a world of endless choice, a good purchase is no longer just about price or product. It’s about feeling confident in the decision.

A good purchase means:

• Moving forward without hesitation
• Feeling in control of your finances
• Choosing what truly fits your needs

By combining Public’s customer‑centric retail experience with Snappi’s flexible payment solutions, we’re helping people achieve exactly that.

Looking Ahead

Since launching Pay Later in November 2025, Snappi has rapidly expanded its ecosystem, partnering with more than 100 merchants across e‑commerce. The collaboration with Public represents another step forward in making flexible, transparent financing accessible where it matters most, right at the point of decision.

Because at the end of the day, innovation only matters when it makes life simpler, and gives people the power to choose.