Lending software for MFI: loans progression and borrowers billing

We are a fintech software company

MFI launch, loan applications, scoring, fraud prevention, online payments, billing, collection, CRM, BI

Digital Core For Business

Win over competitors in a technical arms race

Product Implementation

Deploy and adapt software modules for digital lending

Solution Support

Take care of business relevance and growth

Solutions

We are a digital lending software provider. Flexible software for retail lending in MFIs, credit unions, collection agencies, and other online businesses. Services for financial companies with customizable workflows and risk policies. Payday loan platform: applying, scoring, credit management, reduce operational costs, and control bad debt losses. Best payment gateways. Over the past 4 years, our technology platforms have served 1.5 million unique registered users of online lending services.

33 modules of flagship s/w MicroF1 2.8 for PDL

The website and personal account of the borrower
Extensive credit products settings
Profile and application settings
Pairing with lead generators/CPA networks
Integrations with Credit Bureaus: UBKI, MBKI
Anti-fraud: EMA Blacklist, Blacklist service
Remote identification: BankID Privat, BankID NBU, EDS/QES, Liveness detection, Facebook
Verifier workstation, internal blacklist
Decision support system and scoring, integrations with Vodafone/Kyivstar Big Data Scoring and Risk Tools
Connection with PrivatBank, Platon, Procard, Fondy, 4bill.io, UPC, PayCore.io, and other payment processing
Support for PrivatBank, City24, 2click, iBox, EasyPay networks of cash payment terminals, Pogashay.ua service
Recurring payments settings and calendar
Automation of mailings and communications, including SMS, email, IVR, IM chatbots (Telegram)
Management of tasks and reminders
Distribution of clients/applications/loans by employees, taking into account the workload
Lead management and call tracking
Notifications to employees when paying/changing the loan/logging into the account, etc.
Integrations with CRM Bitrix24, IP-telephony Asterisk
Promo codes and discount system; cashback
'Invite a friend' referral program
Analytics: 18 reports and Business Intelligence subsystem Metabase
Many types of fees and renewals
Individual interest rate
Multi-firm accounting
Own API for developers
Debt collection support, collection status & tag management
Credit debts sales
Credit accrual of your collection agency
Role-based access control
Users actions logs
Documents editor: loan agreements, supplementary agreements, references...
Integrations with Sender messenger, Corezoid OS
Streaming archiving

Reliable payment gateways for webshop/ marketplace/ app

Competent selection of a payment service provider
Integration with a payment service
The best conditions for online acquiring
Several payment service providers: Platon, Procard, Fondy, Interkassa, UPC, etc.
Building your payment service provider
One gateway — several banks, more successful payments
All popular online payment methods: Visa, Mastercard, American Express, Privat24, MasterPass, Google Pay, Apple Pay
Instant payments via SMS (mobile commerce)
QR code payment
ATM cash payment terminal
Cryptocurrencies: Bitcoin, Advcash, Ethereum, Ripple, etc.
Opening a high-risk merchant account
Card payments in Android and iOS apps, payments in messengers (Facebook Messenger, Telegram, etc.)
Easy to connect: integration plugins for popular CMS, mobile SDK and our help
Secure: PCI DSS, Visa PIN Security, SecureCode, 3D-Secure
Two layers of support: integrator and provider
Useful tools: 1-Click method, recurring billing, transaction monitoring, extended account registry, etc.
Extended anti-fraud module
Flexible adaptation to the requirements of your multi-channel business model

Ninja Lender platform for refused loans

Ninja Lender significantly reduces the known inefficiency of the lending market, offering rejected loan applications to credit institutions with different risk models. Approximately 15% out of 1B rejected loan applications have value because these loans are given out to borrowers by other financial institutions later on. We develop the only marketplace where lending companies can buy & sell turned-down applications online. We provide a flexible solution with an auction and universal template Wizard that easily portable to other systems and bank software via API.

Increase your client database quickly and cheaply because of the new purchase channel
Reduce customer acquisition cost by selling turned-down loan applications to other credit institutions
An alternative loan channel for declined customers

Ninja Lender is a Fintech startup company based in Estonia and Poland, originally from Ukraine.

Ninja Lender team graduated from two famous European acceleration programs in Riga (Latvia, 2019) by Startup Wise Guys and Warsaw (Poland, 2020) by Huge Things.

Services

We implement and maintain our software products as white label: MicroF1 2.8 for PDL, MicroF1 3.0 CRM for lending, MicroF1 3.0 CRM for collection, MicroF1 ID, MicroF1 DSS for lending, and others. We launch online customer businesses based on payment services, CRM, DSS, and BI systems. We appreciate Agile, minimal viable product approaches, and lean startup methodology.

References

16.03.2021

Eugene Kuznetsov

CEO Financial company "COMBI", LLC

"We recommend MicroF1 partners as experts in the field of Fintech. Their developers and consultants are high-level professionals in the field of launching and maintaining online financial services. Cooperation with colleagues MicroF1 allowed us to automate our activities, digitize business processes based on cutting-edge web technologies. IT specialists quickly implemented and implemented all the new features we ordered."

31.12.2020

Irina Koretskaya

CEO Financial company "E GROSHI COM", LLC

"The actively developing system of complex automation of the financial company MicroF1 2.7 for PDL Extended ver. have been maximizing the productivity of our business during several years. Highly qualified specialists, an excellent understanding of credit business processes, and speed of response to inquiries help us to be among the market leaders. MicroF1 software complex has covered all new market and regulator requirements, as well as embodied our exclusive wishes."

29.04.2020

Anzhela Malovichko

Director Financial company 'FinHelp', LLC

“We recommend MicroF1 specialists as experienced IT professionals who are able to solve any technical challenges in the fintech sphere... We are quite pleased with the cooperation with them. Interaction with colleagues from MicroF1 allowed us to automate our activities based on the new solution ‘MicroF1 3.0 CRM for collection’. The software meets our main requirements and takes into account the specifics of working with clients and partners.”

16.09.2019

Anzhela Malovichko

Director Financial company 'Premium Assets', LLC

“We recommend colleagues from MicroF1 as strong professionals. Their developers and other IT experts have confirmed in practice a high level of expertise in the development and implementation of software solutions for financial companies. Long-term cooperation with partners from MicroF1 allowed us to automate our activities, to digitize part of important business processes based on cutting-edge web technologies. Software development took into account not only the features of our industry, but also the specific characteristics of our organization.”

05.08.2019

Sergey Zakharov

Director Kulerova Funky Company

“We recommend MicroF1 and their specialists: managers, developers and consultants. Their competencies and speed have been successfully tested by us in practice! During our long-term collaboration, colleagues from MicroF1 implemented a new CRM solution for retail and wholesale based on cutting-edge web technologies. The development was based on our specifics, online and offline components of the business.”

18.06.2019

Irina Koretskaya

Director Financial company "E Groshi", LLC

“MicroF1 software has successfully closed all questions on setting up credit packages, decision support, scoring, integrations with banks and payment providers, credit bureaus, CRM and collection work, reports and business intelligence. Blacklists, verification algorithms, document and message templates, access control, and other important aspects are developed at a high level. The software package is regularly updated and it becomes easier and better with every new release.”

15.03.2019

Ignaty Zhubrun

CEO Shvydka Pozyka

“We recommend online microcredit solution MicroF1 and their team of specialists: developers and implementers. Service and software development recently covered the following areas:

integration update on changes of the Platon payment system protocols;
changes in the personal account of the borrower, increasing usability, new parameters of the loan application;
software updates, integration updates with the credit bureau UBKI;
user consultations, server maintenance, security issues, etc. ”

15.05.2018

Irina Koretskaya

CEO Financial company "E Groshi", LLC

“The developed and constantly improved electronic document management and accounting system fully meets our needs and has allowed us to achieve high efficiency of interaction with our customers. Separately I would like to note the efficiency of developers and the high speed of response to our requests and wishes. Qualified employees of MicroF1 showed their competence not only in the field of software development, but also helped in the analytical and management issues of microcredit business.”

15.05.2018

Ignaty Zhubrun

CEO Fincom Credit, LLC

“During our joint work, MicroF1 specialists performed all the work strictly in accordance with the schedule, conditions and requirements under the contract. After completion of the implementation job, the company's employees responded promptly to our requests, developed our system on order, shared their experience and best practices during the whole period of the system maintenance.”

We are a fintech software company

Solutions

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References

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