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Development of a Secure, Audit-Compliant Digital Lending Platform with Dynamic User Path Segregation and Automated Credit Assessment
  1. case
  2. Development of a Secure, Audit-Compliant Digital Lending Platform with Dynamic User Path Segregation and Automated Credit Assessment

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Development of a Secure, Audit-Compliant Digital Lending Platform with Dynamic User Path Segregation and Automated Credit Assessment

capitalnumbers.com
Financial services

Challenges in Digital Lending Platform Security and Compliance

The existing digital lending platform lacks critical security and compliance features, including segregated user paths for banking partners, enforced loan application workflows, anomaly detection mechanisms, financial capacity assessment tools, and automated loan authentication processes. These gaps compromise regulatory compliance, risk management, and operational efficiency.

About the Client

A fintech company specializing in digital lending solutions that integrate individuals and businesses into modern credit systems through automated loan processing and creditworthiness evaluation.

Objectives for Enhanced Lending Platform

  • Implement microservices architecture for lender-specific user path segregation
  • Enforce mandatory step-by-step loan application workflows
  • Develop real-time anomaly detection and deviation alert systems
  • Automate creditworthiness assessment using rule-based logic
  • Establish secure loan offer authentication mechanisms
  • Ensure 100% audit compliance with regulatory standards
  • Maintain comprehensive audit trails for all transactions

Core Functionalities and Key Features

  • Microservices-based lender-specific user journey configuration
  • Stepwise loan application workflow enforcement
  • Behavioral anomaly detection with admin alerts
  • Rule-driven creditworthiness evaluation engine
  • Loan offer validation and authentication system
  • Persistent audit logging with compliance reporting
  • Session resumption for interrupted applications

Technology Stack Requirements

ASP.NET MVC
ASP.NET Core
Razor View
TypeScript
MS SQL

System Integration Needs

  • Regulatory compliance APIs
  • Third-party financial verification services
  • Mock API testing framework
  • Audit trail management systems

Non-Functional Requirements

  • Regulatory compliance (GDPR, PCI-DSS)
  • High-performance transaction processing
  • Enterprise-grade security controls
  • Scalable microservices architecture
  • 99.9% system uptime SLA
  • Real-time monitoring capabilities

Expected Business Impact of Enhanced Lending Platform

The upgraded platform will enable 100% audit-compliant loan processing, reduce fraud risk through automated anomaly detection, improve operational efficiency with standardized workflows, enhance user experience via personalized financial pathways, and ensure regulatory adherence across multiple jurisdictions. The microservices architecture will support future scalability while maintaining strict security controls for sensitive financial data.

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