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Web service

Time to deliver

1 year, 4 months
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About the client

Credio is a UK-based fintech startup founded by a financial analyst and advisor. The company works with microcredits and focuses on short-term loans that could be redeemed within several months.


Julian Kaljuvee
Co-Founder of Credio

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Owlab team created a comprehensive system for financial analytics and customer communications

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The banking landscape is changing fundamentally and striving for complete automation of customer communications. The companies that take advantage of technological transformation possibilities gain a longstanding competitive edge and new business opportunities.

The client chose to go with Owlab as a reliable partner to create a comprehensive system for financial analytics and customer communications, including a web service, mobile app, CRM and loan scoring.

Due to Owlab’s considerable experience with financial services and banking, the client was offered a bespoke solution: from creating exceptional user experience to the development of reliable, flexible and scalable architecture.

Process and outcomes


What matters for loan facilities are the decision speed, immediate analysis of big volumes of data, perfect precision and absolute security. Owlab has developed a product that addresses these factors and transforms customer experience. The created credit system includes the following solutions:

  1. A web platform and mobile applications were developed from scratch to deliver a superior user experience on any device. Particular attention was paid not only to the server side of the products, but also to their UI/UX design, which affects the way clients treat the company and their decision to cooperate.

  2. Credit scoring to assess the client’s diligence and solvency. The solution is integrated with UK banking institutions and KYC (Know Your Customer) services to obtain data on the user's credit history. A separate intrusion prevention system has been developed to monitor suspicious behavior patterns to strengthen fraud-prevention measures. Using the received data, the user is automatically assigned a credit rating with the corresponding CRM record.

  3. CRM for credit business management is a powerful tool to increase business efficiency, allowing you to automate and control most work processes, organize and store data, as well as get instant access to it when needed.

Owlab’s experts offered the customer unique solutions and selected the optimal technological stack, making it possible to create the most secure product that would resolve the defined business targets.

For any financial product, perfect performance and resilience to any failure is a must. Special attention was paid to prompt elimination of any technical issues: the quality control process is fully automated and performed without additional engineering efforts. When extending the already working product's functionality, the customer instantly receives feedback on issues caused by changes in the code of web and mobile applications. This allows the development team to quickly resolve any issues and eliminate the risk of system failure. The applied efforts resulted in significant time and cost savings.

The final solution includes a full suite of financial data reports augmented with powerful features like interactive data visualization, point-and-click peer-group builder, exporting capabilities, “smart” bank search, geo-location and custom mapping features.

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Customer feedback

Vitaliy helped to deliver several high-profile fintech projects to a number of companies we backed. Extremely high-quality, professional work, always on time and a pleasure to work with. Would recommend his top engineering team for complex apps and websites for anyone who wants to get a cost-efficient, high-quality solution.

Julian Kaljuvee
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Contact info
[email protected]

- Vitaliy, CEO

Harju maakond, Tallinn, Kesklinna linnaosa, Vesivärava tn 50-201, 10152, Estonia

- Head/Development Office


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