Zkrillafi

Discover how the web application for Zkrillafi transforms every bill payment into a credit-boosting opportunity!

Industry : Fintech

Services Offered : Web App Development | 3rd Party API Integration(Stripe and Array.com) |  CRM Development | UI/UX Design | Server Monitoring 

Project Overview

The Founder of Zkrilla, a fintech company focused on Web3 technology and innovation, aimed to create a web application that would transform every bill payment into an opportunity to boost users’ credit scores. The goal was to build a comprehensive platform that allows users to monitor their credit, compare FICO scores from Experian and Equifax, and automatically enhance their credit profiles through strategic bill payments. 

Challenges

Complex Credit Reporting

Integrating real-time credit reporting for Experian and Equifax, ensuring accurate and timely data synchronization. 

User Engagement

Developing features that not only monitor credit but also actively help users improve their credit scores through bill payments and other financial activities.

Web and Mobile Responsive

Ensuring a seamless experience across web and mobile platforms.

API Integration

Effectively integrating third-party APIs and webhooks for real-time data updates and user notifications. 

Time Constraints

The client was particularly focused on launching the Application within six sprints.

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Solutions

Zimozi Solutions was chosen for this project due to our high ratings, cost-effective solutions, and cultural alignment with Zkrillafi’s values. The scope of work included the development of a web application with integrated webhooks and APIs from third-party services, and the development of a CRM system to manage client data.

zkrillafi
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CMS

Utilized WordPress to manage content effectively, ensuring ease of updates and maintenance. 

Database Management

Deployed MongoDB for robust data storage and retrieval, which supports dynamic query handling necessary for real-time credit score updates and user profile management.

Stripe

Integrated for seamless payment processing, enabling users to handle transactions securely within the platform.

Array.com

Employed for advanced data aggregation and analytics, helping users to extract and analyze credit data from multiple sources efficiently.

AWS

Chose Amazon Web Services for reliable and scalable cloud hosting, providing the infrastructure needed to support the high availability demands of the financial services platform.

AWS Lambda and CloudWatch

Implemented for serverless computing and proactive monitoring, respectively, enhancing the system’s responsiveness and operational health.

Analytics

Incorporated Google Analytics to track user interactions and engagement, providing insights that help refine user experience and increase platform effectiveness. 

Key Features

Credit Monitoring for Experian & Equifax

The platform allows users to compare their FICO scores and credit reports from all three major bureaus—Experian and Equifax—side-by-side, helping them understand their credit profiles better.

Credit Goals Preparation

Users can prepare for credit-related goals by tracking their scores, which are used for mortgages, auto loans, and credit cards.

Instant Reporting

The platform reports a credit line and credit history to bureaus, depending on the user’s membership tier, with instant approval and no credit checks. 

Boost Your Score

The app is optimized for low battery consumption during trip recording, enhancing user convenience.

Impact

The launch of Zkrillafi’s web applications transformed the way users approach their bill payments, turning routine financial tasks into opportunities to enhance their credit scores. The platform’s seamless integration of credit monitoring and reporting features has helped users take control of their credit profiles, making Zkrillafi a key player in the fintech space focused on credit improvement. 

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