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FinTech · Microfinance
CRM modernization and process automation for microfinance.
An AI-driven CRM modernization that automated the entire lending lifecycle, cutting time-to-cash from hours to seconds while reducing defaults by 20% through better risk visibility.
70%faster approval time
20%reduction in default rates
160%increase in monthly loan volume
- Industry
- FinTech / microfinance lending
In the microfinance sector, speed and risk management are the pillars of success. We transformed a rigid legacy CRM into a high-speed, automated lending ecosystem. By integrating AI-driven scoring models and seamless KYC/AML verification, we enabled the client to process loan applications in seconds while significantly reducing default rates through better data visibility.
What we were up against
- Legacy constraints. Replacing an outdated, slow system that couldn't scale with the growing volume of loan applications.
- Manual risk assessment. Overcoming the bottleneck of manual document verification, which delayed approvals and increased human error.
- Compliance and security. Ensuring the platform meets strict financial regulations (GDPR, local fintech laws) and protects sensitive borrower data.
- Siloed data. Consolidating borrower history, payment tracking and collection management into a single, unified interface.
How we solved it
- Automated scoring engine. Integrated an API-driven risk assessment module that analyzes credit bureau data and alternative data points in real time.
- Seamless KYC/AML integration. Implemented automated identity verification and anti-money laundering checks to ensure instant, compliant onboarding.
- Omnichannel communication. Built-in modules for automated SMS, email and push notifications for payment reminders and marketing offers.
- Flexible loan management. Developed a dynamic core that allows the client to launch new loan products and adjust interest rates without code changes.
Measurable impact
- 70% faster approval time. Reduced time-to-cash from hours to minutes through end-to-end automation.
- 20% reduction in default rates. Achieved through more accurate, data-driven scoring and automated early-stage collections.
- Scalable operations. The new system handles a 300% increase in monthly loan volume without requiring additional staff.
- Zero security breaches. Implemented bank-grade encryption and role-based access control, ensuring 100% data integrity and compliance.
What we used
- FinTech
- AI
- Web Development
- AWS
- Mobile
- Python
- Django
- React
- React Native
- TypeScript
- PostgreSQL
- ML
- Redis
- Celery