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Development of a Credit-Building Neobank Application with Secure Microservices Architecture

ronasit.com

Financial services

Information technology

Challenges in Credit Accessibility and Financial Inclusion

Individuals in the US with low credit ratings face barriers to accessing credit cards and financial services. Existing solutions lack user-centric design, robust security frameworks, and seamless integration with banking-as-a-service platforms to enable credit-building capabilities.

About the Client

US-based fintech startup focused on providing financial services to individuals with low credit scores through a neobank platform

Key Goals for Neobank Platform Development

Create an intuitive interface for seamless user onboarding and financial management
Implement a secure microservices architecture to protect sensitive financial data
Achieve compliance with financial regulations (SOC 2, PCI DSS, ISO/IEC 27001)
Enable credit-building functionality through secured charge cards and transaction analytics
Successfully launch and scale the platform with closed beta testing followed by public release

Core System Functionalities and Features

Biometric authentication and secure account creation
KYC verification via document scanning and fraud detection
Secured charge card issuance and management
Transaction analytics with spending insights
Real-time cashback rewards system
Direct deposit automation and external account linking
Profile management with customizable notifications

Technology Stack and Architecture

React Native (mobile development)

Laravel (backend)

Cloud SQL (database)

Microservices architecture

UIKitten library for UI components

Third-Party System Integrations

Bond BaaS platform for banking operations
Persona KYC verification
Sardine fraud detection
Auth0 authentication gateway
Getkard cashback engine
Pinwheel direct deposit switching
Plaid account linking
Google Pub/Sub for event-driven architecture

Security and Performance Requirements

End-to-end encryption of sensitive data
Zero-trust access control with least privilege principles
High-availability architecture with database replication
Real-time monitoring via Laravel Telescope
Compliance with financial industry certifications

Expected Business Outcomes

The platform has demonstrated viability with 1,285 verified accounts during beta testing, achieved App Store approval, and established a scalable architecture supporting 7 microservices and 8 third-party integrations. The solution enables rapid feature expansion while maintaining financial compliance, positioning for significant growth in the credit-building fintech market.