Goal
The client needed a modern credit web app (PWA) to optimize and automate lending processes. Their objective was to simplify loan applications, improve internal credit tracking, and provide users with a seamless online portal for managing loan requests.
Challenge
We had to design and build a platform that could handle complex lending workflows, integrate with third-party services, and ensure robust security. At the same time, the solution needed to deliver a user-friendly experience and allow for customization to meet CredifyNow’s specific needs.
Outcome
We had to design and build a platform that could handle complex lending workflows, integrate with third-party services, and ensure robust security. At the same time, the solution needed to deliver a user-friendly experience and allow for customization to meet CredifyNow’s specific needs.
Services & Tech Stack
Design & Prototyping
Figma
Backend Development
Node.js
Nest.js
Express.js
Frontend Development
JavaScript
React Native
Vue.js
Mobile Development
IOS
Android
Data & Integrations
MongoDB
MS SQL
GraphQL
API Management
Testing & QA
Automated & manual testing
Client & Product
Development of a business process automation platform for CredifyNow, a leading financial services company. The solution streamlines loan applications, servicing, and tracking through a user-friendly web portal, third-party integrations, and comprehensive loan management tools — boosting efficiency, data accuracy, and customer experience
Key Challenges Solved
Data Integration: Integrating the credit web platform with various third-party services such as Equifax and Nortridge smoothly was challenging, ensuring compatibility and functionality across all components.
Regulatory Compliance: Meeting stringent regulatory standards for consumer lending required continuous updates and adjustments to the platform to ensure compliance with evolving laws and regulations.
Scalability: Adapting the platform to handle the growing needs of CLB and increasing numbers of loan applications posed scalability challenges while maintaining efficiency and responsiveness.
Security: Safeguarding sensitive user data and complying with data security regulations required robust measures to prevent unauthorized access and data breaches.
User Experience: Educating users and facilitating their adoption of the platform’s features was crucial to maximize its benefits, ensuring user comfort and proficiency.
System Interoperability: Seamlessly integrating the platform with CLB’s existing systems and technologies without disruptions or compatibility issues was critical.
Technological Maintenance: Keeping the platform updated with the latest technologies and industry trends required ongoing research, development, and maintenance to remain competitive.
Process Automation: Automating parts of the process, including pulling credit data from Equifax and making loan approval decisions, presented significant technical and operational challenges.
Project stages
1
Requirement Analysis
Reviewed business processes
Defined key features
Documented roles and use cases
2
Solution Design
Built UI/UX & system architecture
Planned integrations with Equifax and Nortridge
Personalized, efficient workflows
3
Development
Core web portal, dealer role, and loan management modules.
Equifax API, loan servicing system, analytics and reporting.
User-driven enhancements, HelloSign eSignatures, and customization features.
4
Testing
Performed unit, integration, and UAT testing
Monitoring adoption & updates
Ongoing support from a dedicated team
5
Deployment
Configured hosting (LiquidWeb, AWS EC2), staged rollout, and data migration from Nortridge.
6
Training & Support
Delivered employee training, user manuals, and ongoing technical support.
Business Value
Optimized Operations
The Progressive Credit Web Application streamlines loan applications and servicing, saving time and effort with real-time credit data integration and advanced loan tracking tools. It also supports multiple consumer loan products, helping diversify portfolios and improve risk management.
Security & Customization
Robust security measures safeguard sensitive user data and transactions. Flexible customization options allow the platform to be tailored to CLB’s specific business needs, improving efficiency while enhancing customer satisfaction.
Platform Design & Features
A real-time dashboard in a credit web application offers instant visibility into credit metrics, transactions, and user activities. It allows users to monitor credit scores, payment statuses, and account balances as they update. This dynamic tool ensures informed decision-making, enhances user experience, and supports proactive credit management.
Transparent and Simple Statistics
A transparent and simple statistics feature in a credit web application provides users with clear, easy-to-understand data on their credit activities. It breaks down complex financial information into straightforward visuals and summaries, empowering users to track their credit health, understand trends, and make informed decisions without confusion or overwhelm.
Real Feedback, Real Impact
Michael Beer
Head of Localization
Seamless Workflow,
Global Scalability
What impressed us most was the intuitive design. Our translators needed almost no onboarding. The workflow feels natural, and quality checks are seamless. This solution truly empowered our team to scale globally.
Got an idea? Let’s build it together
Partner with us to transform your vision
into reality with modern design & technology
Partner with us to transform your vision into reality with modern design & technology
