Digital Lending Application
4 Stone Capital Ltd
Client
4 Stone Capital Ltd
Project Focus
Digital Lending Application
Sector
4 Stone Capital Ltd
Year
2020
Overview
We built a secure digital lending platform for salary earners, streamlining onboarding, loan requests, maturity tracking, and automated collections. The system reduces manual intervention while improving approval speed and repayment discipline.
Key Features
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BVN-based account creation with automated biodata retrieval
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Salary date input and card profiling
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Auto-debit repayments at maturity
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Intelligent maturity monitoring every 3 hours
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Daily email/SMS reminders for overdue accounts
Impact
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Reduced loan processing time by over 40%
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Improved repayment discipline through automation
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Minimized default risk with proactive borrower alerts