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Modernization of FinTech Payment Platform for Scalable Client Onboarding
  1. case
  2. Modernization of FinTech Payment Platform for Scalable Client Onboarding

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Modernization of FinTech Payment Platform for Scalable Client Onboarding

koombea.com
Financial services
Information technology
Business services

Legacy Platform Limitations Hindering Business Growth

Existing platform requires manual coding for client environments (3+ months per client), lacks scalability to meet market demand, and previous development partner's technical limitations constrained revenue growth through rigid technology stacks and poor PCI DSS compliance implementation.

About the Client

FinTech company providing collections tools, payment processing, and loan management solutions for lenders and auto dealers

Strategic Modernization Goals

  • Implement modular architecture for rapid client deployment
  • Reduce client onboarding time from months to weeks
  • Establish scalable payment processing infrastructure
  • Ensure full PCI DSS compliance
  • Create agile development framework for continuous improvement

Core System Capabilities

  • Secure payment gateway with multi-method support
  • Configurable client environment templates
  • Real-time LMS integration framework
  • Customizable analytics dashboards
  • Mobile-optimized user interface

Technology Stack Requirements

AWS Cloud Infrastructure
React Native
Node.js
MongoDB
Docker

Critical System Integrations

  • Loan Management Systems (LMS)
  • Third-party payment gateways
  • Business intelligence tools

Operational Requirements

  • Horizontal scalability
  • 99.9% uptime SLA
  • PCI DSS Level 1 compliance
  • Sub-200ms API response times
  • Automated CI/CD pipeline

Business Transformation Outcomes

Projected 70% reduction in client onboarding time, enabling immediate revenue generation from new clients, with 50% improvement in payment processing efficiency and 30% increase in client retention through enhanced platform reliability and feature velocity.

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