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Development of a Comprehensive Fintech Mobile Application for Credit Score and Financial Health Management

capitalnumbers.com

Financial services

Challenges

The client's existing processes lacked a user-friendly, comprehensive platform for individuals to understand their creditworthiness and financial health. Users faced difficulties accessing and interpreting crucial financial data (CIBIL scores, credit reports, repayment history), leading to potential financial risks and a lack of proactive financial management capabilities. The existing solutions were fragmented, requiring users to access multiple sources for a complete picture.

About the Client

A financial services company focused on providing digital tools for financial wellness, particularly credit score monitoring and financial health assessments.

Objectives

Develop a robust and user-friendly Android mobile application for accessing credit scores and financial health information.
Provide users with a holistic view of their financial profile, including CIBIL scores, credit utilization, repayment history, and potential red flags.
Implement secure integration with third-party APIs (i2i, CRIF, Cashfree) to obtain and display accurate financial data.
Enable proactive alerts and guidance to users regarding potential financial risks.
Offer subscription-based premium features providing advanced insights and expert advice.

Functional Requirements

Secure user authentication (OTP login)
Financial profile creation and management
Display of CIBIL scores and credit scores
Credit utilization ratio calculation and display
Repayment history visualization
Age of credit assessment
Credit behavior analysis
Display of negative accounts and red flag indicators
Subscription management (paid and free tiers)
Red flag explanations and guidance
Loan status summary

Preferred Technologies

Node.js (Backend)

React Native (Frontend)

PostgreSQL (Database)

i2i API

CRIF API

AWS (Hosting)

Figma (UI/UX Design)

Cashfree (Payment Gateway)

Integrations Required

i2i Credit Information API
CRIF CIBIL Score API
Cashfree Payment Gateway

Non-Functional Requirements

Scalability to handle a large user base
High performance and fast data retrieval
Robust security to protect user financial data
Reliable and stable application uptime
Data accuracy and integrity

Estimated Business Impact

This application is expected to improve customer engagement, enhance financial literacy, reduce financial risks for users, and generate revenue through premium subscriptions. It will position the client as a leader in providing innovative fintech solutions and contribute to improved financial wellness among its users. The improved data insights will enable more targeted financial products and services in the future.