Real Systems.
Measurable Change.

A small microfinance lender providing short-term loans to local borrowers.

At the start of the project, a team of around five people managed the full loan lifecycle manually in spreadsheets.

Rising loan volume made reporting, controls, and day-to-day administration increasingly difficult to scale.

Spreadsheet formulas drove interest, penalty, and balance calculations, making the process hard to audit and vulnerable to human error.

Reporting depended on manual consolidation and validation, which slowed operational and investor updates.

The team lacked structured verification stages, approval checks, and other guardrails to reduce downstream mistakes.

Centralize loan data and operational workflows in one system.

Automate interest, penalty, overdue, and repayment calculations.

Introduce verification and approval controls before disbursement.

Provide real-time reporting for internal operations and investor use.

Create a foundation for future integrations and workflow automation.

Fintiq designed and built a custom Loan Management System tailored to the lender's operating model.

The platform manages origination, verification, disbursement, repayment tracking, overdue management, collections tracking, write-offs, borrower reporting, and investor reporting.

Automated calculations now produce consistent financial data across interest, penalties, overdue balances, and repayment positions.

Delivered as a minimum viable product in approximately two months.

Completed across three iterative build cycles shaped by operational feedback.

Historical loan data was migrated from spreadsheets so the client could move into production without losing records.

The spreadsheet process was fully replaced once the platform went live.

The system remains the operational core for the lender's active loan book and reporting, giving the business a stable foundation for future growth and automation.

Customer application portals

Integrations with external financial systems

Expanded automation across lending workflows

A multi-location jewellery retailer with a customer database of roughly 20,000 contacts.

Customer engagement depended on moments such as birthdays, anniversaries, and post-purchase service reminders.

Store teams needed a way to scale outreach without losing personalization or quality.

Staff had to manually run reports, identify customer events, write messages, and send them one by one.

The process consumed significant administrative time and led to missed engagement opportunities.

Message quality varied because not every staff member was a native English speaker, making tone consistency difficult.

Automatically identify customer engagement opportunities.

Generate personalized draft messages for staff to review.

Improve brand consistency across customer communications.

Deliver messages through WhatsApp while keeping human oversight.

Scale outreach across the full customer base.

Fintiq built a human-in-the-loop messaging system that continuously evaluates CRM data for upcoming customer events.

When an event is detected, the platform generates a tailored message draft using AI.

Staff review, refine if needed, and send the final message through WhatsApp from a web interface.

The platform was built to process a large customer dataset continuously and surface events as they become relevant.

Human review remained part of the workflow so quality control stayed with the client team.

The architecture supports ongoing event detection and scalable outbound communication across multiple stores.

The system transformed a manual process into a scalable engagement engine that helps the retailer maintain customer relationships and drive store visits.

Expanded automated engagement journeys

Additional customer event triggers

Broader workflow automation around CRM-driven outreach

A hosting provider managing subscription-based infrastructure services for approximately 120 customers.

The environment includes roughly 15 servers and more than 120 microservices delivering hosted services.

Operational management required coordination across infrastructure monitoring, customer subscriptions, billing records, and service allocations.

Operational data was fragmented across accounting software, billing tools, and infrastructure monitoring systems.

Existing monitoring tools focused on technical alerts rather than operational oversight, making it hard to understand which customers were affected by incidents.

Customer onboarding, offboarding, and reconciliation of customer-to-server allocations were handled manually across multiple systems.

This created risks around limited visibility, manual billing reconciliation, and customers receiving services without being billed correctly.

Create a single operational view of infrastructure and customers.

Link infrastructure resources directly to subscription records.

Monitor server and microservice health in one place.

Automate onboarding and recurring operational workflows.

Improve incident visibility and response.

Reduce manual billing reconciliation and ensure active services match billed subscriptions.

Fintiq developed a centralized operational management platform that consolidates infrastructure monitoring, customer subscriptions, and accounting visibility.

The system connects data from multiple operational sources and presents it through a unified web interface.

By linking infrastructure resources directly to customer records and subscription data, the platform keeps service delivery and billing aligned.

Operational teams can now view infrastructure health, customer allocations, and billing information from the same dashboard.

The minimum viable product was developed and deployed within five days.

Two rapid development iterations were completed during the build process.

The platform was designed to deliver operational visibility quickly while leaving room for future enhancements based on user feedback.

The platform is actively used in production as the hosting provider's primary operational dashboard for infrastructure monitoring, subscription management, and billing reconciliation.

Future enhancements can be layered onto the MVP as operational needs evolve.

The platform remains a foundation for expanding automation and operational workflows over time.