Technologies Used

CREDITCHECK

In-house Software development

Creditcheck is a SaaS (Software as a Service) developed by Capicua that responds to the needs of the lenders, who need to approve online loans in an agile way to minimize the impact of their competition, but at the same time require data about the financial and credit history of the final customers applying for the loan. It can also work to validate the delivery of credit cards. Capicua's experience in developing technological products for the financial sector has led us to create this robust, coherent and user-friendly computing solution.

Challenge

Most online instant loan services are pre-approved and standardized loans, that is, they are not customized in accordance with the specific needs of each user. This makes a company offer the same amount to modest income users and others who have greater ability to acquire debt.

This is a missed opportunity, so we thought to respond to this gap with a system that made it possible to approve quick credit and give the user the opportunity to choose the amount he wants to apply and in how many installments.

Subsequently, it was worked for the system to verify and validate the user according to their credit history. Here come into play elements such as whether you are a good payer or not, the income you have and how committed those incomes are to other loans or debts.

Solution

  • The credit information of potential customers is available to the user by simply entering the identity document of the person
  • The flow of data makes it possible to attract potential buyers of loans, resulting in potentially crucial information for the development of new business.
  • The platform is sufficiently flexible and friendly, allowing companies that use the system to define their validation rules for each case
  • Interaction with real customers through landing pages and digital marketing campaigns. These people can use Creditcheck's tools to make loan applications at any time and any time, without depending on the financial business hours.

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