Creditis
End-to-end digitalisation of personal-loan onboarding through a web app integrated with the client's banking ecosystem.
Project overview
Creditis was a full digitalisation of client onboarding for the institution's flagship service: personal-loan applications. I ran the entire cycle as project and account manager, from first commercial contact through go-live to the follow-on releases.
Pre-sales was part of the project: analysis of the client's context and processes, effort estimates on each vertical, commercial offer and scope negotiation. A consultative track that let us walk into kick-off with a shared reading of goals, complexity and priorities.
The solution — a web app accessible directly from the client's website — replaced the traditional, often slow and paper-heavy process with a complete digital flow: loan simulation, document collection and verification, automated checks, digital signature and banking integrations. A journey the user finishes in minutes, with an outcome within 48 hours.
Under the hood, the platform orchestrates a complex ecosystem of integrations and features: a configurator based on SECCI and banking documents, document upload, OCR and AI-based data verification, regulatory validations, two-factor authentication (2FA), qualified digital signature, PSD2 integration for current-account analysis, and connections to the core banking systems. All designed, prototyped and built screen by screen, entirely from code (the opposite of how this site is built 😉).
To support operational continuity, the platform was built on four separate environments — development, test, staging and production — to guarantee data security and the ability to keep iterating after go-live. And indeed, after release the product was maintained and continuously evolved with new work on top of the existing base.
The real complexity wasn't technological but coordinative: aligning the client, the third-party vendors involved in each integration (identity, 2FA, signature, banking data, KYC) and the internal design and development team, while holding onto timelines, priorities and product quality.
Challenge
Turn a historically paper-heavy loan-application process, fragmented across branches, back office and external vendors, into a continuous digital experience — self-service for the end customer, compliant with banking regulation and able to talk to the third-party systems already in place. What made coordination even more delicate: the client's people worked inside our Jira space — they tracked task status and could open new ones themselves, which I then routed to the team by priority and urgency.
Solution
A modular web app, fully code-built, that orchestrates loan simulation, document collection, OCR and AI checks, 2FA, PSD2 verification, digital signature and client communications in a single flow. Set up on four environments (dev, test, staging, prod) to guarantee operational continuity and security even after release.
Impact
- •A fully online onboarding journey with an outcome delivered within 2 days
- •Native integration with digital signature, 2FA, PSD2, OCR/AI and core banking systems
- •A dynamic quote configurator built on SECCI and product parameters
- •Four separate environments for operational continuity and post-release security
- •Product maintained and evolved with new development after go-live
Gallery
Delivery process
Pre-sales & scoping
Client context and process analysis, effort estimates, commercial offer and scope negotiation, up to contract signing and shared kick-off with all parties involved.
Discovery & design
Mapping user flows and required integrations, designing interfaces, wireframes and navigable prototypes shared with client and dev team through common tooling.
Build & integrations
Custom development of web app and services, integration with digital signature, 2FA, PSD2, OCR/AI engines, core banking systems and the SECCI configurator, on four separate environments (dev, test, staging, prod).
Release & continuous evolution
Coordination between client, third-party vendors and internal team, regulatory validation, end-to-end testing, phased production release and maintenance with follow-on development on the existing base.
Team
- AB
Andrea Bellati
Project & Account Manager
- MP
Mattia Pegoraro
UX / UI Lead & Prototyping
- MF
Mattia Fortunato
Frontend Developer
- DC
Domenico Catrambone
Backend Developer
