Strategy and Solutions

Zymr partnered with the client to build a cloud-native lending platform designed for flexibility and speed. Our engineering team developed a modular architecture hosted on Google Cloud, allowing dynamic scaling during traffic spikes. We embedded AI-driven credit scoring capabilities using borrower behavioral and transactional data, enabling rapid loan decisioning even for thin-file customers. The application flow was optimized for mobile, built with React Native, and supported by secure APIs for credit bureau checks, identity verification, and bank account linking. Compliance frameworks for AML and KYC were built into the onboarding process, supported by encrypted data flows and audit-ready storage. Zymr’s Agile approach allowed us to deliver a production-ready MVP within four months, with continuous feature enhancements in bi-weekly sprints.

About the Client

A U.S.-based FinTech startup set out to disrupt the short-term lending space by offering fast, transparent personal loans to underserved customers. With a mobile-first business model and aggressive go-to-market goals, the client needed a secure, scalable platform that could handle high volumes of loan applications while maintaining full regulatory compliance.

Key Outcomes

Time to onboard new users was reduced to under 2 minutes.

Integration with Experian enabled instant credit decision-making for 85% of applications.

Business Challenges

The client’s early MVP was built on a rigid, monolithic stack that couldn’t scale to meet growing demand. Loan approvals were largely manual, leading to delays and a poor user experience. The system lacked integrations with credit bureaus, making it difficult to assess borrower risk efficiently. Additionally, the client needed to comply with KYC and AML requirements but had no automated framework in place. Their biggest hurdle was building a system that could go live quickly, support high concurrency, and deliver smooth mobile experiences to thousands of borrowers from day one.

Business Impacts / Key Results Achieved

The client successfully launched their platform ahead of schedule, gaining over 25,000 registered borrowers within the first quarter. Loan approval times dropped by over 60%, and automated onboarding workflows reduced abandonment rates. With a fully modular back-end and native mobile UX, the client could quickly launch new loan products without technical debt. Customer satisfaction scores improved significantly, and the platform’s architecture gave the startup a solid foundation for expansion across multiple states.