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Pandawa

Solution Area

Digital Lending (P2P) Platform

A digital lending platform brings borrowers and lenders into one flow: registration and e-KYC, credit assessment, disbursement, repayment schedules, and collections. Scoring rules are configurable and every decision leaves an audit trail that can be shaped to financial-sector compliance needs.

Illustration of a large glass dashboard panel angled from the left and split into three columns: the left column lists six application rows with blue, green and amber pills, the centre shows a cyan semicircular gauge above a bar chart, and the right holds a fingerprint tile carrying a green checkmark badge over profile rows with user, shield and card glyphs; one dashed cyan line links an application row to the gauge and on to the fingerprint tile.
P2P LendingCredit ScoringLoan Management

Overview

Credit assessments that differ between analysts make decisions hard to defend. A lending platform unites e-KYC, scoring, disbursement, and collections in one auditable flow.

Fintech & Digital Lending

Typical Challenge

Lending run on spreadsheets and separate channels makes credit risk hard to assess consistently, application status untrackable, and compliance reporting time-consuming.

Solution Approach

  1. 01Separate borrower, lender, and operations roles in one system with distinct permissions.
  2. 02Build a credit scoring engine with configurable, auditable rules.
  3. 03Connect identity verification, payments, and escrow through APIs.

System Components

  • Borrower application portal
  • Lender and investor dashboard
  • Credit scoring and policy engine
  • e-KYC and biometric verification flow
  • Payment and escrow integration
  • Repayment schedule and collections workflow
  • Compliance reporting and audit trail

Technology Categories

Web & mobile frontendBackend API & rules engineScoring and data pipelineVerification & payment integrationTransactional database

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