Fintera: Loan Provider Platform Development

Objective

Develop an authentication system to protect sensitive financial data and ensure regulatory compliance.
Architect a robust state management layer to handle complex, multi-stage loan applications in real-time.
Integrate with numerous loan providers through a modular API-first design to facilitate rapid scaling.
Create a frictionless user onboarding experience that qualifies and converts borrowers more efficiently.

Overview

Fintera is a fintech orchestration platform designed to accelerate loan acquisition by providing a unified gateway to multiple financial institutions. By enabling a single-request, multi-lender stack, the system simplifies the digital lending journey and increases the probability of approval across diverse borrower profiles.

Problem

Borrowers traditionally face significant friction, including lengthy, repetitive applications and manual verification bottlenecks that lead to high abandonment rates. For fintechs, integrating with disparate Core Banking Systems (CBS) is a resource-heavy process that often results in fragmented data and inconsistent user experiences.

Results

We engineered a high-concurrency backend using Node.js to manage simultaneous API calls to various lenders without blocking I/O.
Successfully implemented a secure authentication framework utilizing JWT and Multi-Factor Authentication (MFA) to safeguard borrower identities.
Developed a responsive React-based dashboard that allows users to monitor their creditworthiness and track multiple offers in a single interface.
Built a flexible business rule engine to match applicants with suitable lenders based on real-time data analysis, significantly reducing processing times.
Optimized the platform’s performance using event-driven architecture to ensure sub-second responsiveness during high-traffic spikes.

From product architecture to global deployment — we have it covered.

AI Apps & Integration

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Database Modernization