Finance · 2025
Digital credit application and score flow
An end-to-end digital credit flow from application to decision; approval time fell from days to hours.
- Client
- Lending company
- Industry
- Finance
- Duration
- 2 wk
- Year
- 2025
Lending company
Digital credit application and score flow
- %99Target hit rate
- %91Ops gain
- 4.9/5Reference score
Project summary
Wetin we solve?
An end-to-end digital credit flow from application to decision; approval time fell from days to hours.
Applications arrived via branch and email; the decision process was not transparent.
Every sprint end with working slice; decisions follow data, no be guess. The same model fit adapt to your operation.
Audience: Finance teams
Standout capabilities
Wetin make the project strong
Every feature tie to measurable business result — working product, no be showcase.
A step-by-step application experience was designed
This step dey feed the project measurable business result — e no be showcase feature.
An automatic score and rule engine was integrated
This step dey feed the project measurable business result — e no be showcase feature.
E-signature and document verification were added
This step dey feed the project measurable business result — e no be showcase feature.
An executive decision panel was set up
This step dey feed the project measurable business result — e no be showcase feature.
Starting point
The situation we meet
Applications arrived via branch and email; the decision process was not transparent.
Approach
The path we take
- 01
A step-by-step application experience was designed.
- 02
An automatic score and rule engine was integrated.
- 03
E-signature and document verification were added.
- 04
An executive decision panel was set up.
Delivery plan
2 wk clear milestones within
- 01
Find-out
Stakeholder interview, current-system review and success metrics.
- 02
Design
User flows, interface prototype and approved design system.
- 03
Build
Iterative software, integrations and security checks.
- 04
Launch
Go-live, training, metrics dashboard and first optimisation pass.
Proven results
Project impact for numbers
The work strengthen sales funnel, operational discipline and executive visibility together. Numbers dey watch live; improvements follow priority matrix.
- Target hit rate
- %99
- Ops gain
- %91
- Reference score
- 4.9/5
Deliverables
- Find-out brief and success metrics
- Information architecture and user flows
- Production-ready software delivery
- Integration and API documentation
- Role-based access matrix
- Handover notes and training
Technologies
- Next.js
- Node.js
- Kredi Bürosu API
- PostgreSQL
FAQ
Questions people dey ask
How the process dey run for this project?+
We run find-out, design, build and launch with clear milestones. Weekly demo and written scope check keep the client team aligned.
Which problem this one dey solve for this industry?+
E target scattered systems, slow decisions and weak visibility — and e deliver measurable speed and control.
Support dey after delivery?+
Yes. After launch we monitor, fix issues and run priority improvement rounds against sales and operations metrics. Care pack dey if you wan continue.
Una fit adapt similar project for us?+
Yes. We adapt this industry experience to your process. 2-hour find-out call go lock scope, timeline and investment range.
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Make we scope this for 2 hours
We go map the bottleneck and leave with timeline and investment range for the same call.