Modernized Lending Operations for a Leading Financial Services Provider 

About the Client 

The client, an RBI-registered Non-Banking Financial Company (NBFC), has been a key player in the financial inclusion space for over a decade in India. With a diverse business model, they address credit needs for underserved households and businesses. With over $8 billion financed, the company bridges capital market investors with emerging sectors by offering diverse credit opportunities and innovative lending models. 

Business Challenge 

Legacy lending systems limited scalability, and restricted real-time visibility into loan performance and operational data 

The client’s legacy third-party core lending system had become a bottleneck to operational agility and scalability. Each new feature or product enhancement relied on the vendor’s release cycle, delaying updates and preventing the company from implementing timely business or policy changes. 

Additionally, data fragmentation across departments and lending partners restricted visibility, created inconsistencies, and slowed loan processing cycles. The lack of centralized control also made it challenging to adapt quickly to evolving compliance and regulatory needs. 

The client needed a flexible, unified, and open-source lending system capable of streamlining operations, reducing dependencies, and improving speed-to-market. 

The Zuci Solution 

Delivered a flexible, open-source lending system powered by Apache Fineract, GenAI automation, and rapid Agile execution 

We adopted a structured delivery approach, blending business discovery, open-source innovation, and GenAI-led automation to design and implement a robust lending system within 5 months. 

Technology Foundation with Apache Fineract for a Flexible, Scalable Lending Platform 

We chose Apache Fineract as the foundation for the new lending platform, leveraging its open-source flexibility and modular design. The engineering team then built a centralized core lending system capable of handling multi-branch operations and partner data synchronization through standardized APIs. The new system allowed dynamic configuration of lending products, automated approval flows, and seamless interoperability with existing internal and third-party systems. 

Accelerated Testing with GenUTC (GenAI-Based Test Automation) 

We integrated GenUTC, an automated unit test generation tool powered by GenAI, to strengthen code reliability and reduce the testing turnaround time. GenUTC automatically generated and executed unit test cases during development, ensuring early detection of defects and improving code coverage across modules. This enabled the team to maintain a consistent release cadence while keeping quality benchmarks high. 

Agile Development and Seamless Integration Delivered in 5 Months 

We followed an Agile delivery model, where the system was designed, developed, and tested in parallel sprints, with continuous stakeholder reviews to validate functionality. The platform was deployed within five months, followed by a structured transition phase that included technical documentation, administrator training, and post-production support to ensure smooth adoption across all branches and partner networks.