Quality data drives


We obsess over creating elegant technology solutions using data analytic tools and marketing pathways to grow our partners’ businesses with robust and scalable solutions.


Bringing together teams of experts in four different disciplines – data analytics, engineering, lead generation and user experience – gives our financial clients the ability to provide credit to millions of people with scalable products and services. It’s all part of our commitment to delivering better ways to borrow.

Data Analytics

Real-Time Decision Underwriting

Today’s consumers expect to receive instant credit decisions. We develop and maintain risk assessment strategies that can be utilized for these point-of-sale transactions, allowing you to deliver quick – but data-validated – decisions.

Risk Strategies that Maximize Portfolio Profitability

We help our partners build risk strategies that maximize returns without being reckless. We minimize your risk by utilizing aggregated date, advanced information analytics and efficient underwriting techniques.

Scoring Model Development and Maintenance

Combining access to extensive amounts of data with our industry-leading human capital and top-notch expertise allows us to develop advanced scoring models to solve your biggest business problems.

Analytical Consulting

Using our highly sought-after expertise, we create efficient, reliable roadmaps and strategies for our clients built upon their short- and long-term goals. This helps clients evaluate and transform data analytics into solid business decisions.


High Performance, Scalable Applications

Because performance doesn’t scale perfectly linearly, we build components with a parallelism and asynchronism mindset. Designing for maintenance and automation, while also striving for statelessness, we provide customers with the best experience possible.

Microservice Architecture

When developing a large application, modular services are built to perform one thing extremely well to meet a specific business goal. In addition to providing a solid security mechanism, virtualization of microservices lets us swap components in and out of our stack without downtime.

Innovative Solutions

Since we’re unencumbered by legacy systems, we’re able to quickly develop solutions that compete with traditional methods of delivering financial services. Digitizing the FinTech marketplace has changed our customers’ expectations of credit decisioning speed, giving them increased profits and flexibility.


Finance is all about risk, trust and security within an ever-changing ecosystem. From authentication to encryption and fraud to data privacy, we continuously move forward with an eye toward the regulations, methods and strategies that ensure our partners retain their customers’ trust.

Lead Generation


We have a multitude of relationships in the marketplace with proprietary valuation algorithms to drive volume and deliver financial performance. When leads are presented to our platform, we make Lifetime Value decisions in seconds based on databases that contain an appreciable share of the addressable market.

Traditional Marketing

When done correctly, mass marketing can still deliver ROI that exceeds your hurdle rate. We seamlessly integrate traditional mass media channels into a digital attribution pipeline as part of a comprehensive, 360-degree marketing platform that drives powerful results in the competitive financial services field.

Digital Marketing

We specialize in comparing first loan profitability against the lifetime value of the customers that responded to your blue background email vs your red background social media post. We deliver leading-edge, big-data analytics on high-speed cloud platforms into clean, crisp dashboards for your executive team.

Product Ideation

We specialize in hyper-fast iterations on our client products. A team of analysts and creative UX specialists use cutting-edge big data to propel your customers through the sales funnel. We make data-driven decisions and implement them into your hosted technology stack in hours, not months.

User Experience

User Research

Using proven data-driven research, we create an enticing user experience for our partners’ businesses. Utilizing analytics tools to populate archives, we build user personas, journey maps and customer touchpoint diagrams.

User Testing

User testing is a cyclic process of extensive evaluation in which the designer’s concept fulfills the end users’ needs. Our ability to split test a consumer base helps us identify points of resistance and improve upon existing products.

User Interface Design

Customer interactions through journey touchpoints follow a design logic, along with a specific look and feel. Adhering to UX best practices, our user interaction designs provide a smooth flow and avoid complicated, confusing layouts.

Design Systems

Consistent design is imperative to creating a seamless and coherent user experience. A design system creates a design specification library that the product brand and language follow to keep all stakeholders on the same page.

Mobile First Customer Experiences

While mobile-first is increasing across all industries, it’s especially evident in the FinTech field. As part of the analytics we track and evaluate for our clients, we are seeing this trend become stronger every single day.

With the majority of traffic for business and media sites coming from phones and tablets, this reinforces our mobile-first design and development approach. Our clients count on us to deliver a superior mobile experience – and they’ve been rewarded by the results.1 Find out how we can do this for your organization, too!