Modernizing and Scaling a Retail Finance Platform for Improved Customer Experience and Market Expansion

The client faces limitations due to technical debt in their legacy IT infrastructure, resulting in poor platform availability, slow performance, difficulty in scaling with increasing customer demand, and challenges in expanding to new markets across Europe. Additionally, they require more tech-savvy solutions to collaborate effectively with a growing number of merchant partners.

A growing retail finance company providing consumer credit solutions, aiming to enhance platform availability, transparency, and rapid scalability to support international expansion and partnerships.

• Reduce platform response times from several seconds to under 1 second, improving customer experience and operational efficiency.
• Eliminate critical technical debt to enable rapid scaling and support an expanding user base across multiple regions.
• Implement precise transaction management and error handling to ensure transaction accuracy and system reliability.
• Optimize data aggregation and statistical load times to facilitate real-time analytics and decision-making.
• Support market expansion by building a scalable, reliable infrastructure capable of onboarding partners from multiple European countries, increasing the active regions from initial markets to at least nine.
• Achieve operational cost reductions through enhanced platform performance and stability, targeting at least a 27% decrease in operational expenses.

• Robust transaction management with precise control, rollback, and error handling mechanisms to prevent data corruption and ensure transaction integrity.
• Optimized analytics dashboard with dynamic data loading and efficient SQL querying for real-time statistical insights.
• Modular application design that addresses technical debt, simplifies scaling, and enhances system maintainability.
• API integrations to facilitate collaboration with international merchant partners and support multi-region deployment.
• Security features ensuring data protection and compliance, alongside performance enhancements to support increased load.

• External data sources for analytics and statistical reporting
• Payment processing gateways for transaction execution
• Merchant partner systems for onboarding and collaboration
• Security and compliance monitoring tools

• System scalability to support at least 9 countries and over 1,000 partners
• Significant reduction in page load times (from approximately 30 seconds to less than 1 second)
• High system availability and responsiveness to ensure seamless customer experience
• Data accuracy and integrity with industry-proven libraries
• Operational cost efficiency improvements, aiming for at least a 27% reduction

The project is expected to enable the client to expand into additional European markets, increasing regional coverage from initial markets to at least nine countries. It aims to onboard over 1,000 merchant partners, significantly improve platform response times and reliability, and reduce operational costs by approximately 27%. Enhanced system performance and stability will lead to a better customer experience, increased merchant collaboration, and scalable growth capabilities.