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OnCredit is an online credit service in Vietnam. Micro financing market is the rise and this project was a challenging assignment built to scale for future high load with multiple integration points to external applications

Business challenges

Our customer had approached us to develop software for a new microfinance company.

Our tasks were:

  • Develop the process of online loan application and issuance;
  • Develop the process of lender verification;
  • Enable users to apply for loans;
  • Allow users to track the status of their current loan;
  • Allow users to repay/extend loans online;
  • Allow users to link their card to receive a loan;
  • Implement the process of informing customers about the current state of their loan;
  • Ensure secure storage of user data;
  • Allow administrators to track the status of loans;
  • Implement the process of signing a loan agreement online;
  • Implement daily interest accrual on issued loans;
  • Allow administrators to configure credit products (for first-time users, for constant users);
  • Allow administrators to track the credit history of lenders;
  • Allow administrators to manage overdue loans;
  • Ensure uninterrupted system operation with large volumes of data.
image oncredit

Key results

  • Integrated UBKI API for obtaining customer credit history;
  • Integrated Scorista.ua API for obtaining borrower scores;
  • Developed a system of business rules for initial lender qualification;
  • Developed a queue system for launching scheduled operations for interest accruals on loans, changing loan statuses;
  • Developed a process for signing loan agreements using SMS;
  • Created an administrative panel with a multi-level access system;
  • Developed a messaging system (SMS / Email);
  • Integrated a payment service;
  • Integrated CPA networks;
  • Created a loan application process;
  • Developed and implemented a loan calculator;
  • Created a customer's personal account that enables users to view the history of issued loans, view the current loan status, link a credit card, repay a loan online, extend a loan online, sign a loan agreement;
  • Created an automated process for debiting customers' cards for debt;
  • Developed an automated process for collecting overdue debts (debt collection);
  • Developed automated processes for microcredit management, such as: loan extension, partial or full repayment; calculation of interest, penalties, and fines on loans; transfer of loan amounts to customers' bank cards; manual and automatic approval of loan applications;
  • Developed a system for creating reports of various types ( Accountant, Working with CPA networks, Report on issued and overdue loans, Report on customers, Daily Report).

Our Solution

The system has been deployed on AWS connecting the below services:

  • Load balancer;
  • EC2 Instance;
  • Auto Scaling group;
  • S3 Bucket;
  • RDS;
  • Redis;
solution image oncredit

The below integration were made:

  • SMS/email services: esputnik;Payment services: Fondy, Wayforpay;
  • Integrations with CPA networks: Admitad, SalesDoubler;
  • Integrations with external scoring services: Scorista.ua, RiskTools;
  • Integrations with services for obtaining users' credit history: UBKI, MBKI;
  • Integration with an anti-fraud system: fingerprint.

Our achievements

  • The designed architecture on AWS allowed to handle big loads on the service and provided a high level of fault tolerance;
  • The developed system allowed for faster scaling and integration of additional services. (For example, additional CPA networks);
  • Thanks to the automation of processes, we were able to reduce the time for reviewing a credit application to 15 minutes.
  • As a result the developed solution enabled our customer to perform the full cycle of lending money online without any traditional banking
We will contact you shortly to arrange a meeting to discuss your goals. icon team

Kashcheiev Maksym

Head of Business Development

contact us:

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