Consumer lending platform development

Development and support for a custom web app handling 200K requests a month.

Client

Acima Credit

Industry

Finance

Services

Web app development, Product design, DevOps

Timeline

2016 - Ongoing

About Acima Credit project

Acima provides a fresh alternative to traditional consumer lending, changing the world with technology that allows for instant decision-making and flexible payment solutions. Deloitte ranks Acima as 64th in their Technology Fast 500 ranking for North America.

Delivered solution

We developed the MVP into a comprehensive, scalable software platform, with fast access to leasing and an intuitive lease management system. Acima’s platform allows employees to easily oversee leasing applications and stores information about users’ leasing history and payments.

Goals and results

Extending an MVP with new features

The product is continually being extended with new features. We began working with Acima when the product was in its early stages and continued to support the project ever since.

Building a leasing management system

We developed a solution that manages new customers’ requests, processes payments and analyses potential customers’ data. We also delivered a customer portal.

Adding integrations with external systems

The platform’s integrations are based on a custom API developed by our team. Its most complex aspect was to ensure the taxes are calculated properly for all payments, based on data provided.

5.0

Clutch review rating

5.0

Clutch review rating

5.0

Clutch review rating

Technologies

Full stack web app development

The project was built on tech stack – a flexible and efficient toolset for web app development.

Ruby
Rails
Sidekiq Enterprise
PostgreSQL
JavaScript
Elastic Search
Prometheus
Grafana
Docker
Pusher

Results

Zero downtime migrations

An application like Acima has to be accessible to users even while a new version is being implemented or a major update to the database is underway. Continuity of service is crucial for Acima's clients.

Effective development process

We improved the delivery process, using best practices, such as smart team division, splitting large tasks into segments, building an autonomous team, and running code reviews and testing sessions.

Elimination of tax calculation errors

The tailor-made solution provided by iRonin.IT’s development team verifies the results of calculations provided by an external automated tax compliance software, allowing for double verification.

I have to admit, when I first started working with the iRonin team I was skeptical of offshore dev teams based on my past experiences. I can now say that iRonin has exceeded every expectation I had for them and they continue to impress me. They are an integral part of our software development team and we continue to grow the scope of our partnership.