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Development of Credit-as-a-Service Platform for Branded Retail Ecosystem
  1. case
  2. Development of Credit-as-a-Service Platform for Branded Retail Ecosystem

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Development of Credit-as-a-Service Platform for Branded Retail Ecosystem

nix-united.com
Financial services
eCommerce
Retail

Business Challenges to Address

The client required rapid development of a market-ready Credit-as-a-Service platform to connect brands, merchants, buyers, and credit providers. Key challenges included an unstable credit provider API threatening delivery timelines, the need for investor-ready demos within an aggressive timeline, and complex integration requirements across multiple commerce platforms.

About the Client

A fintech startup focused on transforming brand-customer interactions through instant, commission-free microlending solutions at point-of-sale.

Strategic Project Goals

  • Create a scalable CaaS platform enabling branded instant credit solutions
  • Develop cross-platform mobile and web applications for seamless user experience
  • Establish stable API integration with financial institutions
  • Enable rapid on-demand demonstrations for investor acquisition

Core System Capabilities

  • Real-time credit approval workflow at point-of-sale
  • Cross-platform mobile application for Android/iOS users
  • E-commerce platform integrations (Magento, Shopify, WordPress, Salesforce)
  • Multiplatform SDK for payment service compatibility
  • Merchant analytics dashboard for sales tracking

Technology Stack Requirements

Kotlin Multiplatform
Flutter
JavaScript
NodeJS
ReactJS

Critical System Integrations

  • Magento Commerce
  • Shopify
  • WordPress eCommerce
  • Salesforce Commerce Cloud
  • Third-party credit provider APIs

Operational Requirements

  • 99.9% API uptime SLA
  • Sub-200ms transaction processing latency
  • PCI-DSS compliance for payment security
  • Horizontal scalability for 1M+ concurrent users

Expected Business Outcomes

The platform will enable brands to increase customer acquisition through instant credit offers, merchants to boost sales conversion rates by 30%, and credit providers to expand loan origination volumes by 50%. The solution will create a $200M+ addressable market opportunity through its ecosystem approach.

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