Development of an Automated Digital Factoring and Reverse Factoring Platform with Integrated Credit Risk Assessment

The client requires a comprehensive digital platform that automates factoring and reverse factoring services, integrates with multiple external data sources for KYC, AML, and credit assessment, and supports rapid onboarding and transaction processing for micro and small enterprise clients. Current manual processes lead to delays, limited scalability, and inconsistent risk evaluations, necessitating an innovative, fully integrated solution.

A modern financial institution serving micro and small enterprises, offering factoring, reverse factoring, and credit risk services through a fully digital, automated platform.

• Develop and deploy a fully automated online factoring and reverse factoring system supporting rapid customer onboarding and invoice processing, reducing processing time to under 15 minutes per transaction.
• Integrate with over 30 external data sources (including credit bureaus, government registries, AML providers) for identity verification, AML checks, credit risk assessment, and invoice validation.
• Implement a proprietary decision engine that automates client and invoice verification, credit scoring, and risk assessment based on collected external reports and internal business rules.
• Enable flexible pricing configurations and partner affiliate links for personalized rate offerings to clients.
• Integrate seamlessly with existing payment processing platforms and external financial systems to facilitate instant payments via multiple channels, including bank transfers, BLIK, PayByLink, and instant online payments.
• Support comprehensive data analytics and reporting capabilities for ongoing risk management and operational improvement.
• Ensure platform scalability, security, and high availability to handle a growing client base and transaction volume.

• Automated invoice registration and validation with a 15-minute processing window
• Integration with multiple external data sources for client identity verification, credit reporting, AML screening, and invoice validation
• A decision engine that evaluates credit risk and automates approval or rejection based on predefined business rules and scoring models
• Flexible configuration of pricing models and affiliate marketing links to enhance client engagement and rate attractiveness
• Real-time payment integrations supporting instant payments via bank transfer, BLIK, PayByLink, and external payment gateways
• Seamless integration with internal financial ledgers, systems for timely payments, and external banking services
• Operational dashboards and reporting tools for analytics, compliance, and risk mitigation

• Credit bureaus and business intelligence agencies for credit risk and financial data
• Government registries (e.g., company and ID verification databases)
• AML and KYC compliance providers
• Payment processors and gateways supporting instant payments (e.g., bank transfer, BLIK, PayByLink)
• Internal financial systems for ledger management and payment settlement

• System should process invoices and customer verifications within 15 minutes
• Support at least 4,000 clients and over 75,000 funded invoices annually
• Handle transaction volumes totaling upwards of several hundred million PLN/EUR reliably
• Ensure high availability with 99.9% uptime and disaster recovery capabilities
• Implement strict security measures to safeguard sensitive client data and financial transactions

The platform aims to enable rapid, fully digital financing for micro and small enterprises, reducing transaction times from days to under 15 minutes. It is expected to service thousands of clients, fund tens of thousands of invoices, and support transaction volumes exceeding several hundred million units of local currency, thereby significantly increasing operational efficiency, client satisfaction, and revenue growth for the financial institution.