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Development of a Fairer Credit Scoring and Lending Platform with White-Label Capabilities

exposit.com

Financial services

Information technology

Consumer products & services

Challenges in Traditional Credit Scoring Systems

Traditional credit scoring systems often exclude individuals with non-traditional financial histories, leading to inequitable access to affordable loans. Rigid criteria force subprime borrowers into high-cost, short-term lending arrangements, perpetuating financial exclusion and limiting opportunities for economic mobility.

About the Client

A fintech lending platform focused on financial inclusion through innovative credit assessment methodologies

Key Project Goals

Create a data-driven credit assessment system that evaluates affordability beyond traditional credit scores
Develop a scalable lending platform capable of processing applications in under 2 minutes
Implement a white-label solution for third-party financial institutions
Enable financial inclusion for underserved populations across the UK
Achieve rapid market penetration with measurable lending volume growth

Core System Functionalities

PLEND Score® proprietary scoring algorithm integrating income/spending analysis
Multi-stage loan application validation workflow
Real-time financial data visualization dashboard
Third-party integration framework for transaction classification
White-label branding customization for partner institutions
Automated risk assessment engine with configurable business rules

Technology Stack Requirements

TypeScript with Angular 8 framework

Java 8 backend with Spring Boot

Hibernate ORM with Liquibase migrations

Tomcat application server

Swagger API documentation

Critical System Integrations

Open Banking (OB) data providers
Third-party transaction classification services
Identity verification systems
Loan origination platforms

Performance and Quality Attributes

Sub-2-minute application processing SLA
High-availability architecture (99.9% uptime)
GDPR-compliant data security framework
Horizontal scalability for 10x transaction volume growth
Multi-tenancy support for white-label deployments

Expected Business Outcomes

Implementation of this platform is projected to enable rapid market capture (targeting £1M+ monthly lending volume), reduce default rates through enhanced risk assessment, and establish a scalable financial inclusion framework. The solution should position Plend as a market leader in ethical fintech innovation while creating new revenue streams through partner institution licensing.