FinServe Micro-Lending App

The Challenge

The client needed a mobile application that could underwrite micro-loans for unbanked individuals using alternative data points, as traditional credit scoring models excluded their target demographic.

Our Solution

We built a highly secure React Native application with a robust Node.js backend. The system integrates machine learning models to analyze SMS patterns and mobile money transactions, automating risk profiling and loan disbursement.

Measurable Outcomes

• Processed 10,000+ micro-loans in the first quarter
• Automated 85% of credit decisions
• Maintained a default rate below industry average
• Secure cloud infrastructure passing rigorous compliance audits