View project

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

Mathis Young, 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. 

The Challenge

Overcoming challenges isn’t just about finding quick fixes. It’s about learning and growing through the process. Each obstacle is an opportunity to refine our methods, improve our skills, and enhance our services. This commitment to continuous improvement is what sets us apart and allows us to deliver exceptional results, no matter the difficulties we face.

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.

The Solution

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.

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

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

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

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

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.

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

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

Key Features

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.

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

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.

The application automates credit building by reporting a $500 credit line initially, with increases based on the user’s bill payments. Users also receive future credit hacks, such as instant credit age adjustments and real-time monitoring. 

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. 

Next Case Studies

Ready

Athletix

Shine

Ready

Athletix

Shine