Development of an Online Lending Platform for a Bank — BSPB Credits Case Study
FinanceCase study of an enterprise fintech platform for online lending: automation of the full loan lifecycle, scoring and anti-fraud, KYC/AML, and deep integration with banking infrastructure.
About the Project
FinTech / Banking Services • Web • Digital Lending Platform
BSPB Credits is a digital lending platform developed for customers of Bank Saint Petersburg and deeply integrated into its banking and fintech ecosystem.
The platform is designed for retail banking customers and delivers a fully digital loan application and servicing experience within a single user interface.
Business Challenge
The client needed a reliable and scalable fintech platform that would:
- Provide a secure end-to-end online lending process
- Minimize manual operations and reduce reliance on back-office staff
- Integrate with banking and fintech systems
- Meet strict information security requirements
- Support growing load and future product expansion
The project’s core focus was process transparency, user trust, and compliance with banking standards.
Our Solution
We built the platform from scratch — from architecture and UX/UI to production launch and ongoing support.
Customer-Facing Layer (Frontend)
- Landing page for bank customers
- Phone number authentication with SMS verification
- Borrower dashboard
- Customer application form with prefilled data
- Fraud-prevention questionnaire
- Decision pending screen
- Loan terms selection
- Document signing
- Loan disbursement and repayment
- Loan and payment history
- User profile
- Document center
- Help and FAQ section
Server Side (Backend / API)
- Application and lead processing
- Application status management
- Scoring and external checks (compliance, watchlists, credit history, and bureau data)
- Anti-fraud logic
- Contract and document generation
- Repayment schedule and payment calculations
- Integrations with external services
- Asynchronous decision processing
Architecture and Integrations
The platform was designed as a scalable backend system with API-driven interactions:
Security and Compliance
The system was engineered as an enterprise fintech solution:
UX/UI
The platform design was created by our team from scratch in Figma, based on Bank Saint Petersburg’s brand guidelines.
Design priorities:
Project Team
2people IT team:
Client-side team:
Development Process
Tools: GitLab CI, Figma, Notion, Swagger, Postman, ClickUp.
Technology Stack
Frontend
Backend
Database
DevOps
Integrations
Results
The production version of the platform went live in May 2025.
Fully automated process
For loan application and servicing
Lower operating costs
By minimizing manual operations
Faster decision-making
Through process automation
Regulatory and security compliance ensured
Meeting both compliance and information security requirements
Created a full-cycle system
Ready for scaling and long-term growth
The project is currently under active support and further development.
Project Links
The BSPB Credits platform is available at:
Summary
BSPB Credits is an example of a complex banking fintech project with significant legal, technical, and infrastructure requirements.
We delivered a digital platform deeply integrated into the bank’s ecosystem and ready for long-term product evolution.
Want to discuss your project?
Get in touch, and we’ll show you how we can help bring your idea to life