Swiss Capital is a microfinance organization from Kazakhstan. It lends to entrepreneurs and individuals.
The company needed an online channel for applications. Clients had to understand what to do at every step. Staff needed applicant and collateral data in one place and in one format.
Task
Build an online microloan application in which the applicant passes a preliminary check. The form had to handle different collateral options and pass the collected data to the Swiss Capital team for review.
How the application works
We built the application interface and the back end. The applicant goes through four steps:
- Application form. Enters contact details and confirms the phone number with an SMS code.
- Identity check. Takes a selfie or uploads a photo. The system checks that the image shows a live person and matches the face against the ID document photo.
- Application type. Chooses collateral: a car, property or no collateral. The form adapts to the choice and requests details of the asset and photos of documents.
- Amount and term. Specifies how much is needed and for how long, then submits the application.
The back end requests pre-assessment data from external services. Staff see applications in the system and can export the data. Swiss Capital makes the lending decision.
Result
Swiss Capital now has a single online path for applications. Clients fill in the form and pass the identity check without visiting an office. The team receives applicant data and collateral documents in one system.
