Development of a Branded Consumer Credit Platform for Retail Ecosystems

The client faces difficulties in delivering a reliable, real-time credit processing solution that seamlessly integrates with various eCommerce platforms and in-store point-of-sale systems. Unstable credit provider APIs threaten timely demos for investors and impede market-ready deployment, hindering the company's ability to rapidly expand its innovative branded credit services.

A mid-sized fintech startup aiming to revolutionize in-store and online consumer financing by providing instant, commission-free microloans integrated within retail environments.

• Deliver a fully functional, market-ready credit platform that supports instant credit approval and installment plans both online and in-store.
• Enable the client to conduct on-demand demonstrations to investors and partners through a stable, reliable system.
• Establish stable and scalable integrations with banking credit APIs to support high-volume transactions.
• Create user-friendly mobile and web applications that facilitate quick credit applications and approvals at the point of sale.
• Develop SDKs to support diverse payment services and ensure compatibility across web and mobile platforms.
• Meet all project deadlines to support successful funding rounds and revenue generation.

• Web components for seamless integration with major eCommerce platforms (Magento, WordPress, Shopify, Salesforce).
• Mobile application supporting Android and iOS that offers instant credit application, approval, and purchase capabilities.
• SDK development supporting multiple payment services with no UI, ensuring easy integration with various merchant systems.
• Stable API interface with credit providers to process credit requests and scoring reliably.
• Backend infrastructure capable of high transaction volume, ensuring performance and scalability.

• Credit provider APIs for credit request processing and scoring
• eCommerce platforms (Magento, WordPress, Shopify, Salesforce) for integration of payment solutions
• Banking and financial systems for credit validation and approval workflows

• High system availability with 99.9% uptime
• API stability and reliability to support real-time credit decisions
• Scalable infrastructure to handle increasing transaction volumes
• Secure data handling compliant with relevant financial data protection standards
• Fast response times for credit application processing (under 2 seconds ideally)

The implementation of this platform aims to enable clients to access a reliable, high-performance consumer credit solution, leading to increased transaction volumes, enhanced customer experience, and faster go-to-market capabilities. It is expected to facilitate a significant increase in credit operation volume, improve brand engagement, and attract further investments, ultimately positioning the client as a leader in embedded retail financing.