Peer-to-peer (P2P) lending platform

Enables individuals to lend money to other individuals or legal entities.

Implemented functionality includes:

• Development and use of credit scoring models to assess the creditworthiness of borrowers and investors.
• Integration with electronic payment systems for processing transfers.
• Development of a customer interface allowing them to view and manage their credit profiles and investments.
• Implementation of functionality for submitting credit applications and investments for investors.
• Tools for monitoring and analytics of risks and returns for investors.
• Implementation of mechanisms to protect investors, such as trade protection funds and investment diversification.
• Support for various types of credit products and investment structures.
• Ability to integrate with other systems, such as credit monitoring, anti-fraud, and other risk management tools.
• Automation of the loan approval process, including integration with the bank’s business rules and credit risk policy.
• Integration with bonus programs to attract investors and borrowers to the platform.