Creditcheck is a SaaS (Software as a Service) developed by Capicua that responds to the needs of the lenders, who need to approve online loans in an agile way to minimize the impact of their competition, but at the same time require data about the financial and credit history of the final customers applying for the loan. It can also work to validate the delivery of credit cards. Capicua's experience in developing technological products for the financial sector has led us to create this robust, coherent and user-friendly computing solution.
Most online instant loan services are pre-approved and standardized loans, that is, they are not customized in accordance with the specific needs of each user. This makes a company offer the same amount to modest income users and others who have greater ability to acquire debt.
This is a missed opportunity, so we thought to respond to this gap with a system that made it possible to approve quick credit and give the user the opportunity to choose the amount he wants to apply and in how many installments.
Subsequently, it was worked for the system to verify and validate the user according to their credit history. Here come into play elements such as whether you are a good payer or not, the income you have and how committed those incomes are to other loans or debts.