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A U.S. digital personal finance company’s loan application, debt consolidation, advisory, and third-party data exchange processes were difficult to streamline. They experienced fragmented integrations, data-quality problems, as well as limited release automation. All of these stood in the way of a faster, more consistent user experience.
The client chose to work with Coherent Solutions to build and modernize its digital lending platforms.
Coherent Solutions provided engineering, architecture, DevOps, business analysis, project management, Salesforce, digital experience, and test-automation support. The work focused on modernizing the core applications and improving the underlying technical and delivery practices for the client’s lending platform.
At a glance
Client: U.S.-based digital personal-finance and consumer-lending company
Industry: Financial services, lending and credit services, fintech.
Challenge: Legacy digital processes, fragmented third-party integrations, data-quality issues, and limited test and deployment automation caused delays and inconsistent user experiences.
Solution: Cloud-ready microservices, an Angular-to-React migration, automated delivery pipelines, test-driven development, and integrations with credit, data, and AI services.
Outcome: Improved data accuracy, faster releases, greater platform reliability, and a better user experience.
Coherent’s role: Engineering partner across the lending platform, from frontend and backend development to DevOps and automated testing.
Client overview
The client is a U.S. digital personal finance company. It helps people consolidate high-interest debt, borrow via personal and home-equity lending, and use a range of financial tools and advice.
Its digital platform deals with online loan applications, debt consolidation, automated loan processing, customer communications, and personal financial advice, and it interfaces with third-party credit and financial services.
The challenge
The client’s legacy digital processes made loan applications and debt-management experiences hard to run and change. Fragmented integrations across third-party services, data-quality issues, and limited automation in testing and releases added to the problem.
These constraints caused delivery delays, increased maintenance demands, and inconsistent user experiences. The client needed an experienced partner that could modernize the platform while continuing to support ongoing lending operations.
Our approach
Coherent Solutions’ cross-functional team worked across the full lifecycle of the platform, from architecture and development through testing and release.
The teams were operating within Agile frameworks (Scrum and Scrum-of-Scrums), and the modernization work encompassed application architecture, UI technology, deployment automation, integration reliability, and test coverage.
The solution
Coherent Solutions delivered the following:
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A scalable, cloud-ready architecture built on Java 17+, Spring Boot, and microservices
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Migration of legacy applications from Angular to React
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DevOps pipelines (Docker, Kubernetes, Terraform, Jenkins, and GitHub Actions)
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Test-driven development with automated UI and API validation via WebdriverIO and Unirest
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Integrations with third-party credit, data, and AI services
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Cross-functional delivery practices bringing together development, QA, and product teams
The impact
The engagement produced the following results:
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Improved data accuracy
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Faster releases and shorter time to market
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Greater platform reliability
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Improved user experience
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More efficient digital lending operations
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Ability to scale the team flexibly and access specialized skills
What’s next
Over the course of a partnership that began in 2019, Coherent Solutions has helped the client move its lending platform from legacy Angular apps to React, cloud-ready microservices, and automated delivery. The work has contributed to more accurate data, faster releases, and a more reliable platform.
This is an example of Coherent Solutions working as a long-term partner with a lender. We brought together engineering, DevOps, test automation, and business analysis to modernize the platform while keeping their lending operations live, and we continue to build with the client as its needs evolve.
