MyCredit

Client’s location

Ukraine

Project (Industry):

Fintech startup

Partnership period:

April 2018 - present

Type of work:

Custom Software Development

Web platform

Mobile app

Idea	An online lending system for maximum comfort of obtaining loans outside the bank. MyCredit simplifies the process of applying for a loan - no queues, no guarantors, no income statements. Registration in a few clicks, freedom of choice of amount and absolute security. MyCredit is developed by users for users.
A proven record of success	600k users per month 500k+ app downloads 2M+ credits issued attracted $3 million in investments in 2019

User
functionality

Quick registration

Convenient identity verification

Easy management of a loan

Wide range of payment methods — Visa/ Mastercard/ Bankcard/ Apple Pay/ Google Pay

Back office
functionality

User management

A comfortable process for gathering information about the borrower. Form and documents.

Antifraud

Keeps risks to a minimum analyzing the client's behavior when filling the data.

For example, we have a list of business rules that we are using for identifying fraud.

Scoring

Decisions-making mechanism, which works on the basis of computer-assisted learning and artificial intelligence.

It has been worked out in more than 10000000 loans.

Application management

Subsystem is responsible for the process of application processing by staff service.

Creation of custom loan product

Creation of credit products with suitable credit rates and terms for different types of customers (TA).

Collection

Permits to set up parameters for each collector in the system.

Notifications

Creation of SMS and mailing lists by day and credit status.

Loyalty system

Offers bonuses for long-term customers. Attracts and holds clients with gamification.

Logging

Helps to monitor the user's actions on the website and pass data in an understandable way.

Set the system for your business

Maintain and control the number of loans issued, the number of repaid funds, the number of delinquencies with a flexible reporting module and visual display of statistical information on the dashboard.

System architecture

Our conceptual model that defines the structure and behavior of the system.

Advertising
banners

Tasks

Developing appeals for banners based on the analysis of objectives;
Design with clear and understandable messages;
Creating a design for banners in a casual style;
To do in the shortest possible time - in 1 week.

idea

«Money for any desires»

When developing the ideas for the poster series, we focused on the product’s target audience. Based on the analysis of MyCredit customer spending statistics and the data we obtained, we developed posters with distinctive illustrations.

Time	from 15 000 hours
Project Management Methodology	Scrum
Team	2 UI/UX designers 1 Graphic Designer 1 Business Analyst 2 Backend developers 2 Frontend web developers 1 Frontend mobile developer 1 DevOps engineer 1 Scrum master
Technologies	Node.js React MongoDB React Native