Appcash · Fintech mobile application
Building a secure personal-credit platform from the ground up
Over a 6 to 12 month engagement, Ficode engineered Appcash from scratch: a connected personal-credit platform bringing together loan applications and approvals, banking-data integrations, credit scoring, peer-to-peer credit, payments and administration tools.
Built from scratch
End-to-end fintech engineering6–12 months
Project delivery periodBanking integrations
Connected accounts and credit dataSecure lending workflows
Applications, approvals and repaymentsA connected lending experience, built from the ground up
Appcash was conceived to help users connect bank accounts, view banking history and use credit-scoring information in a personal-credit experience involving friends and family.
Ficode implemented a hybrid mobile interface, banking-related APIs, microservices and an administration platform.
Connect lending, banking and repayments in one secure mobile journey
The challenge was to build a complete fintech product—not simply an app interface. It needed to connect external banking information with credit scoring, loan requests and approvals, peer-to-peer credit and repayments while providing dependable performance, appropriate permissions and a usable customer journey.
The need Connected fintech
Bank accounts
Separate banking informationImproved customer experience
Account-history-based scoreLoan & repayment journey
Apply, assess, approve and repayThe solution Integrated app
PSD2 APIs
Bank data connectivityAppcash
Credit features and mobile UIAdministration tools
Customer support and oversightEnd-to-end engineering across mobile, banking, credit and operations
Ficode delivered the complete Appcash platform from scratch, integrating third-party banking APIs, a hybrid mobile experience, backend microservices and administrative controls. The solution connected the customer journey with credit-scoring, loan application and approval workflows, peer-to-peer credit, transfers and repayments.
PSD2 bank integration
Integrated third-party PSD2 APIs for bank linking and access to required account information, alongside IBAN verification.
Customer-focused hybrid mobile application
Built an intuitive hybrid mobile interface with swipe-based navigation for bank linking, credit applications, lending interactions and repayments.
Credit and transaction workflows
Engineered modular services for credit scoring, loan applications and approvals, transfers or repayments, and interactions between friends and family.
Administration platform
Delivered an administrative interface for application oversight, customer queries, static information and configurable values, reducing routine administration.
Security controls designed into the lending and banking journey
Ficode implemented encryption for sensitive data, multi-factor authentication, role-based access control, secure API authentication and audit logging. GDPR-related safeguards were considered as part of the implementation. These are implemented controls, not a claim of independent regulatory certification.
User’s bank
Account informationPSD2 API connection
Third-party banking data integrationAppcash platform
Information presented in the mobile appA connected platform with tangible operational and commercial benefits
The Ficode team confirms that the completed platform improved the user experience, supported faster loan and credit processing, reduced manual administrative effort, handled higher transaction volumes and helped increase customer adoption.
Faster credit processing
Integrated banking data, scoring and lending workflows helped accelerate the credit journey.
Improved customer experience
A joined-up mobile experience simplified banking, credit requests, approvals and repayments.
Reduced administration
Administrative controls and connected workflows reduced repetitive manual tasks.
Greater platform adoption
The client reports increased adoption and the ability to process higher transaction volumes.
Purpose-built microservices and hybrid mobile engineering
The published stack includes React Native, Angular, Java, Spring Boot, microservices and MySQL. The platform was deployed using private or other hosting.
