YAPU Credit Lifecycle Management For Financial Institutions

 

We spearheaded the creation of a comprehensive, digitized system to accelerate lending operations in micro-financial institutions and fortify the financial resilience of smallholder farmers in developing nations.

 

 

 

Context:

We work with YAPU Solutions, a forward-thinking FinTech product company based in Berlin, dedicated to advancing green inclusive finance. Their mission? To better equip smallholder farmers in developing regions, most notably in Latin America and Africa, with robust financial solutions. These farmers, significantly impacted by climate change and financial exclusion, find themselves at the intersection of financial innovation and sustainability.

Challenge:

We work with YAPU Solutions, a forward-thinking FinTech product company based in Berlin, dedicated to advancing green inclusive finance. Their mission? To better equip smallholder farmers in developing regions, most notably in Latin America and Africa, with robust financial solutions. These farmers, significantly impacted by climate change and financial exclusion, find themselves at the intersection of financial innovation and sustainability.

Solution:

We at Unicsoft, designed a versatile credit lifecycle management system for YAPU. The system allows MFIs to digitize loan questionnaires, conduct thorough risk analysis, and make data-driven decisions. Customizable loan questionnaires enable data capture on-the-go with an Android mobile app, increasing efficiency and accuracy.

 

The solution is targeted at financial institutions, agricultural input providers, insurance companies, and government initiatives focused on rural financing.

Unicsoft Approach:
  • Implemented meticulous resource allocation to prevent unnecessary spending;
  • Ensured swift product scalability, beginning with an MVP to garner investor interest;
  • Established an efficient communication process to bridge gaps between business and tech teams.
Results:
YAPU software has been adopted by over 15 institutions, elevating their operational efficiency and risk analysis capabilities;
Financial managers save significant time and effort due to automated, comprehensive reports, which aid in objective decision-making;
The integrated 360° risk analysis capability benefits both the MFIs and the smallholder farmers, minimizing potential loan defaults and ensuring sustainability of operations;
Enhanced productivity witnessed by field managers, MFIs and farmers through streamlined remote field operations and precise decision-making tools.
Future Potential:
We aim to bolster the ecosystem between MFIs, climate solution providers, and smallholder farmers. Future updates include:
  • Integration with weather forecast services and core banking systems to enhance credit risk assessment;
  • The launch of a centralized reporting database for credit risk analysis purposes;
  • Implementation of machine learning approaches for automated reporting and forecasting.

Technology & Tools

Node.js
Angular
MongoDB
Cordova
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