A flexible, retail-integrated lending platform for real-time credit decisions, customer onboarding, and seamless EMI management.
15000k+
Downloaded Apps
15%
Revenue Rate
Client
Kissht
Project Scope and Technology
Loan origination and approval workflow , Multi-channel integrations for retail partners , Real-time credit scoring and decision engine , Customer KYC, onboarding, and e-signature , Flexible EMI plan builder and auto-debit automation , Vendor dashboard for sales tracking and settlement , Secure compliance backend
Team Composition
1 x Backend Engineer, 1 x Frontend Developer, 1 x Integrations Specialist
Country
India
Industry
Finance
Work duration
8 months
Kissht set a new standard for retail lending by enabling instant EMI offers and approvals at the point of sale in stores across India. The platform digitizes the entire loan journey - from customer eligibility and KYC, to plan selection and automated repayment. Retailers and vendors use the integrated dashboard to initiate loan applications, track status, and manage sales, while customers experience quick, paperless onboarding and live EMI selection. Kissht's robust backend ensures compliance and security, joining scalable integrations with real-time credit scoring to optimize approvals and reduce lending risk. The system’s flexibility powers thousands of outlets, democratizing access to consumer finance.
Engineering real-time, reliable credit decision logic required scalable data infrastructure, robust integration with third-party KYC and scoring providers, and flexible workflows for multi-channel operation. Supporting seamless, error-free onboarding at point-of-sale introduced usability and reliability constraints on both mobile and web flows for retail staff and shoppers. Ensuring data privacy, regulatory compliance, and secure communications presented architectural and product hurdles. Building automated EMI deduction and settlements required careful backend logic, vendor reconciliation, and alerting.
The team began by mapping out end-to-end lending scenarios with retail stakeholders and finance builders, identifying bottlenecks in customer acquisition and EMI lifecycle management. Backend engineers implemented API integrations for KYC, e-signatures, credit scoring, and payment automation. Dashboard developers built multi-role portals for retailers, vendors, and customers, offering intuitive access to loan applications, approvals, and settlements. Real-time alerts, onboarding tutorials, and compliance features were added through pilot programs. Regular feedback from customers and vendors drove continuous UX and performance enhancements.
Kissht empowered retailers nationwide to boost sales with instant consumer credit, delivering higher approval rates, faster onboarding, and reduced risk. Shoppers enjoyed transparent, fast access to digital finance without friction or paperwork.
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