Flexible payments, extra cashback¹, and smarter money management, all in one app.
Consumers sought a unified app to shop anywhere, manage flexible payments, and save money effortlessly.
Engineered a secure, intuitive financial app featuring real-time payment splitting, cashback tracking, and smart budget management tools.
Fintech-grade BNPL and payment architecture with PCI-DSS Level 1 compliance, real-time risk scoring, and global payment network integrations.
Buy-now-pay-later checkout flow from merchant integration and real-time credit decisioning to instalment scheduling and payment collection.
Merchant SDK triggers Klarna payment widget at checkout, passing basket value and customer identifier.
ML risk engine assesses creditworthiness in under 250ms using behavioural, transactional, and bureau signals.
Approved customers select payment plan; instalment schedule created and stored with tokenised card details.
Scheduled jobs charge instalments on due dates via stored payment tokens with retry logic for failed payments.
A battle-tested methodology that turns complex challenges into elegant, high-performance solutions.
Deep-dive into business requirements, user personas, market analysis, and technical landscape assessment.
System architecture blueprints, UI/UX wireframes, interactive prototypes, and design system creation.
Iterative sprints with CI/CD pipelines, code reviews, automated testing, and continuous stakeholder feedback.
Production deployment, performance monitoring, A/B testing, and post-launch growth optimization.
Every solution we build comes packed with enterprise-grade features that ensure reliability, performance, and scalability.
SOC 2 compliant infrastructure with end-to-end encryption and zero-trust architecture.
Auto-scaling cloud infrastructure designed to handle 10x traffic spikes seamlessly.
WebSocket-powered live updates ensuring data consistency across all touchpoints.
Pixel-perfect experiences across all devices, from mobile to 4K displays.
Custom dashboards with real-time KPIs, funnel analysis, and predictive insights.
RESTful & GraphQL APIs enabling seamless third-party integrations and extensibility.
Key architectural decisions, data flow optimizations, and security patterns implemented for enterprise performance.
Card numbers are immediately tokenised on ingestion - raw PANs never touch application servers, only the tokenisation vault.
Gradient boosting risk model pre-loaded into memory with feature caching in Redis enables credit decisions in under 250ms.
All payment requests carry idempotency keys ensuring failed network retries never cause duplicate charges.
We carefully selected a cutting-edge technology stack to ensure maximum performance, maintainability, and future-proof scalability for this project.
"The app offers flexible payments and smarter money management all in one place, redefining the shopping experience."
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