Slow Loan Reviews and Abandoned Applications
Collecting and checking documents by hand delays credit decisions. Applicants may give up if the process takes several days.
Solutions Catalog
Fintech & Financial Software Development
Financial institutions need software that is fast, secure, and reliable. Customers expect quick credit decisions, easy payments, and up-to-date account information.
Secure Banking Portals and Automatic Loan Workflows
Anavya Infotech builds financial apps that automate loan steps, bring together open banking data, and support strict compliance rules.
Core Capabilities
- Automatic Loan Applications and Reviews
- EMI Calculators and Loan Application Steps
- Connect Multiple Payment Services
- Automatic AML/KYC Checks
How Slow Systems and Loan Reviews Affect Fintech
Manual loan reviews and older banking systems slow service, raise customer acquisition costs, and make the process harder for applicants.
Fraud and identity risk
Financial platforms face fake identities, false documents, and account theft. Older checks may miss these risks.
Compliance overhead
PCI-DSS, AML, and KYC rules require strong security and ongoing records that show how systems meet the rules.
Core Financial Software Capabilities
Build reliable digital tools for new fintech companies and established financial institutions.
Automatic Loan Applications and Reviews
Review credit applications with decision steps you can adjust.
- •Collect applicant financial data through open banking APIs.
- •Apply credit rules and decision steps that you can customize.
- •Use OCR and computer vision to check documents automatically.
EMI Calculators and Loan Application Steps
Give applicants quick estimates and loan terms based on their needs.
- •Show how interest and repayment amounts change over time.
- •Use credit checks that do not affect credit scores during early reviews.
- •Let people check if they may qualify through web and mobile applications.
Connect Multiple Payment Services
Route payments securely and support different currencies.
- •Integrate Stripe, Plaid, Razorpay, UPI, and regional providers.
- •Choose where to send payments to manage fees and approval rates.
- •Match platform transactions with bank records.
Automatic AML/KYC Checks
Help verify identities and meet compliance rules during sign-up.
- •Check documents, match biometric details, and confirm a real person is present.
- •Check sanctions lists, politically exposed persons (PEPs), and negative news sources.
- •Maintain audit logs for compliance reporting.
Security Overview
| Security Area | How It Works | How It Helps |
|---|---|---|
| PCI-DSS Level 1 | Tokenized card numbers, separate card-data systems, and hardware security module (HSM) integration. | Reduces exposure of card details and can simplify audits. |
| Session Security & Auth | Short-lived encrypted JWTs and MFA using hardware keys or one-time codes. | Helps prevent account theft and attacks on active sessions. |
| Data at Rest & Transit | AES-256 encryption for stored data and TLS 1.3 for external API connections. | Protects financial information when stored and sent. |
| Audit & Integrity Logs | Records of system and administrator changes that cannot be overwritten. | Helps reviewers check records for changes during investigations and audits. |
How We Protect Fintech Systems
Network protection, tokenized identities, and traceable payment services help keep sensitive payment data separate.
Fintech Edge
A web application firewall, bot protection, and limits on repeated requests.
Tokenization & Auth
OAuth2, hardware security modules, and encrypted tokens that expire quickly.
Core Engine
A set of rules for loan reviews and payment decisions.
Compliance Ledger
Audit records that cannot be overwritten, so changes can be tracked.
Case Study: Money Capital Finance Platform
The Challenge
Money Capital Finance lost many applicants on its old loan website. Checking documents by hand made loan reviews take more than five days.
Technical Solution
We rebuilt the portal with Next.js and Python services, then added Plaid and OCR to check bank records and speed up decisions.
Verified Results
Qualified loan inquiries that became applications rose 38% in 90 days. Processing time fell from five days to under 24 hours. Security audits confirmed PCI-DSS and SOC 2 compliance.
FAQ
Fintech & Finance FAQs
Common questions about fintech & finance technology and project delivery.
We use tokenization so full card details do not enter the application database. We also separate the network, encrypt data, and track security issues in line with PCI-DSS controls.
Plan Your Fintech Software Project
Talk with our fintech engineers about financial portals, secure payments, and automatic loan processes.