Fintech Development: Lending Pipeline, Payments

Industry challenges

Loan applications go through many manual steps, delaying decisions.
Customer, contract and payment data is scattered across different systems and spreadsheets.
New payment methods and banks need to be added without rewriting the whole product.
Suspicious transactions must be monitored and fraud risks reduced.
Customers expect a convenient mobile app and online account with a clear transaction history.

What we build

Lending pipeline

End-to-end application processing from submission to disbursement: checks, approval stages, staff roles and customer-facing statuses.

Scoring and decision rules

A module that collects data from external sources and applies configurable rules to assess applications.

Customer portals and mobile apps

Web and mobile apps for iOS and Android: applications, payment schedules, repayments, transaction history and notifications.

Payment services

Payment acceptance and processing, payouts, recurring charges and transaction reconciliation with banks and payment gateways.

Anti-fraud processes

Rules and scenarios for detecting suspicious transactions, manual review queues and audit logs.

Back office and analytics

Internal staff systems: portfolio management, collections, reporting and BI dashboards for key metrics.

Integrations

Banks and banking APIs
Payment gateways and acquiring
Credit bureaus
Verification and biometrics services
1C and accounting systems
SMS and push services
CRM: Bitrix24, amoCRM
Telegram bots for customers

Business outcomes

Faster application processing by automating routine steps.
A single view of customers, contracts and payments.
New products and payment channels added without reworking the system.
Transparent oversight of transactions and staff actions.

Frequently asked questions

How do you approach financial data security?

We design the system with security and regulatory requirements in mind: access control, encryption and activity logging. Where needed, we work alongside the client's information security team.

Can you improve an existing fintech product instead of building a new one?

Yes. We start with a code and architecture audit, then propose a plan: enhancements, phased refactoring or extracting individual modules.

Can you connect a specific bank or payment system?

If the bank or payment service has an API or a documented exchange protocol, the integration can be built. We confirm the details during analysis.

Tell us about your task

Tell us about the processes you want to automate or the product you plan to launch. We will propose an approach and a work plan.

Fintech and financial services