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
What did 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.
Each sprint ended with a working slice; decisions were made on data, not guesses. The same model can be adapted to your operation.
Audience: Finance teams
Standout capabilities
What made the project strong
Every feature was tied to a measurable business result — a working product, not a showcase.
A step-by-step application experience was designed
This step feeds the project’s measurable business result — not a showcase feature.
An automatic score and rule engine was integrated
This step feeds the project’s measurable business result — not a showcase feature.
E-signature and document verification were added
This step feeds the project’s measurable business result — not a showcase feature.
An executive decision panel was set up
This step feeds the project’s measurable business result — not a showcase feature.
Starting point
The situation we met
Applications arrived via branch and email; the decision process was not transparent.
Approach
The path we took
- 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
Discovery
Stakeholder interviews, current-system review and success metrics.
- 02
Design
User flows, interface prototype and an approved design system.
- 03
Build
Iterative software, integrations and security checks.
- 04
Launch
Go-live, training, metrics dashboard and the first optimisation pass.
Proven results
Project impact in numbers
The work strengthened the sales funnel, operational discipline and executive visibility together. Numbers were watched live; improvements followed a priority matrix.
- Target hit rate
- %99
- Ops gain
- %91
- Reference score
- 4.9/5
Deliverables
- Discovery 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
Frequently asked questions
How does the process run on this project?+
We run discovery, design, build and launch with clear milestones. Weekly demos and a written scope check keep the client team aligned.
Which problems does this solve in this industry?+
It targets scattered systems, slow decisions and weak visibility — and delivers measurable speed and control.
Is there support after delivery?+
Yes. After launch we monitor, fix issues and run priority improvement rounds against sales and operations metrics. A care pack is available if you want to continue.
Can you adapt a similar project for us?+
Yes. We adapt this industry experience to your process. A 2-hour discovery call locks scope, timeline and investment range.
Related work
Finance more projects in
Finance institution for secure customer portal
A high-security portal with regulation-compliant authentication, an audit log and a real-time portfolio view.
- Efficiency gain
- %98
- Sales impact
- 3.2x
Enterprise risk and compliance reporting platform
A compliance platform that gathers risk indicators, limit breaches and audit evidence on one panel.
- Satisfaction
- %100
- Process speed ↑
- %86
Investor relations and disclosure site
An accessible investor site that publishes financial reports, decks and material disclosures quickly.
- Efficiency gain
- %98
- Sales impact
- 3.2x
Let’s scope this in 2 hours
We will map the bottleneck and leave with a timeline and investment range in the same call.