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Wealth Management Platform Lending Functionality Expansion

yalantis

Financial services

Challenge

The client's wealth management platform, while popular, lacks lending functionality and robust data analytics to fully support and optimize lending activities. This limits revenue potential, restricts service offerings, and hinders data-driven decision-making regarding loan eligibility and customer risk.

About the Client

A FinTech company providing web and mobile wealth management applications to users for expense tracking, savings goal setting, personalized financial advice, and credit card integration.

Goals

Implement a fully integrated lending functionality within the existing wealth management platform.
Enable data-driven loan eligibility decisions using business intelligence (BI) insights.
Optimize the user experience for loan applications and management.
Expand revenue streams through interest income on loans.
Increase customer acquisition and retention by offering lending services.

Functionality

Loan application submission and automated data filling.
Customer eligibility assessment and decision engine.
Integration with banking service providers (Galileo, BankCorp, Provenier, TransUnion).
Credit score retrieval and analysis.
Debt calculation and payment schedule design.
Customer onboarding and document management.
Real-time notifications and reminders.
Business intelligence dashboards for loan performance and customer behavior analysis.
User-friendly interfaces for loan applicants and administrators.

Technology Stack

Microservices architecture

Integration with APIs (Galileo, BankCorp, Provenier, TransUnion)

Business Intelligence tools (e.g., Tableau, Power BI)

Secure data storage and encryption

External Integrations

Galileo (ACH payments)
BankCorp (Loan account opening, loan issuance)
Provenier (Credit eligibility assessment)
TransUnion (Credit score)
Column (Developer Infrastructure - Loan Account Management)

Non-Functional Requirements

Scalability to handle increasing loan volume.
High availability and reliability.
Security and compliance with financial regulations.
Performance and responsiveness.
Data privacy and protection.

Business Impact

Successful implementation will lead to increased revenue through loan interest, a larger customer base, and expanded service offerings. Data-driven insights will enable better risk management, improved customer experience, and informed business decisions, ultimately driving sustainable growth.