Faster GTM for a US credit card

Banking & Financial Services
End-to-end user experience engineering for a US based micro-credit organization enables faster go-to-market for its products and services
The Case
The product is a digital and physical credit card that targets the underserved segments in the US. The application is built on Android and iOS. The app facilitates the issuance and use of a credit card with a virtual card and the user has the option for physical card as well. In this app the user can sign up and apply for a credit card. Upon Application we have a set of API integrations that kick in with different players in our app ecosystem so that the entire process is seamless and automated.

The solution involved an end-to-end user experience engineering and study of the targeted customer base. The business requirements and functional capabilities of the credit card product was reviewed, and a product roadmap was created. The solution involved 10 to 15 third party vendors which were compared and finalized on various metrics and recommendations were given. The technical solution involved native mobile apps, backend services built using microservices pattern on AWS, best security practices followed on infrastructure, code and operations. The solution also employs a data warehouse and visualization layer for the business to keep track of KPIs and monitor.

Technology Stack

Native iOS, Android

Python, Flask, Microservices

Postgres, RDS, Liquibase,Opensearch

FluentD, Logstash, Kibana,Redis,Auth0

JWT, End-to-end encryption, VPN, Proxy

DevSecOps, Jenkins, SAST, Snyk, IDE checks

AWS,API Gateway, EKS, Graviton

Cloudfront, GuardDuty,CodeCommit, KMS, S3

Redshift, Glue, SFTP, Sprinkle, PowerBI,Alloy,

Persona, Finicity, CrossRiverBank, I2C, TransUnion, Scienaptic, GIACT


The key benefits of the built solutions was:

– Quick GTM using reusable assets and proven architecture

– Microservices design to quickly add more components in the future

– Cost effective infrastructure on AWS using AWS’s most modern optimized work loads

– Shift Left approach followed to ensure quality and security is part of the development process itself

– Quality process is automated from the very beginning

– Audit and APM logging built into the framework

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