System Overview
Abstract
Kredete Inc is a comprehensive credit technology (CreditTech) platform designed for financial institutions, microfinance organizations, and fintech companies operating in emerging markets. The platform provides end-to-end credit lifecycle management, from customer onboarding and credit scoring to loan disbursement and collections.
All products created by Kredete are built on a Core Ledger System, which serves as an immutable financial record-keeping engine ensuring audit compliance and regulatory adherence.
Mission Statement
To democratize access to credit through technology, enabling financial institutions to serve underbanked populations efficiently and responsibly.
Development Practices
Our development cycle follows industry best practices and regulatory requirements:
Compliance & Certifications
- 🔒 PCI DSS Level 1 - Annual QSA audit and quarterly ASV scanning
- 🔒 SOC 2 Type II - Security, availability, and confidentiality controls
- 🔒 ISO 27001 - Information security management
- 🔒 Central Bank Certifications - Nigeria (CBN), Kenya (CBK), Ghana (BoG)
- 🔒 GDPR/NDPR Compliant - Data protection regulations
Security Testing
- Regular Automated Security Vulnerability (ASV) testing
- Quarterly penetration testing by certified third parties
- Continuous SAST/DAST integration in CI/CD pipeline
- Bug bounty program through HackerOne
Performance Standards
- 99.95% uptime SLA for production services
- < 200ms API response time (P95)
- Regular load testing (10,000 concurrent users)
- Automated performance regression testing
Technology Stack
Backend Services
| Technology | Purpose |
|---|---|
| Go (Golang) | Core microservices, high-performance APIs |
| Python | Credit scoring ML models, data processing |
| Node.js | Real-time services, webhooks, notifications |
| Ruby on Rails | Admin dashboards, internal tools |
Data Infrastructure
| Technology | Purpose |
|---|---|
| PostgreSQL | Primary transactional database (ACID compliant) |
| MongoDB | Document storage, application logs, analytics |
| Redis | Caching, session management, rate limiting |
| Apache Kafka | Event streaming, message queuing |
| Elasticsearch | Search, log aggregation, analytics |
| TimescaleDB | Time-series data, financial metrics |
DevOps & Infrastructure
| Technology | Purpose |
|---|---|
| Kubernetes (K8s) | Container orchestration |
| Docker | Containerization |
| Terraform | Infrastructure as Code |
| Ansible | Configuration management |
| GitLab CI/CD | Continuous integration and deployment |
| ArgoCD | GitOps continuous delivery |
| Prometheus/Grafana | Monitoring and alerting |
| Jaeger | Distributed tracing |
Cloud Infrastructure
| Provider | Usage |
|---|---|
| AWS | Primary cloud (eu-west-1, af-south-1) |
| Google Cloud | ML/AI workloads, BigQuery analytics |
| Azure | Disaster recovery, backup region |
Kredete Products and Components
1. Credit Origination System (COS)
Complete loan application and underwriting platform
- Digital loan applications (mobile/web)
- Automated document collection
- Real-time credit decisioning
- Multi-stage approval workflows
2. Credit Scoring Engine (CSE)
AI-powered risk assessment and scoring
- Alternative data scoring (mobile money, telco data)
- Traditional bureau integration
- Custom scorecard builder
- Model monitoring and drift detection
3. Core Ledger System (CLS)
Immutable financial record-keeping
- Double-entry bookkeeping
- Multi-currency support
- Real-time balance computation
- Audit trail and compliance reporting
4. Loan Management System (LMS)
End-to-end loan lifecycle management
- Disbursement processing
- Repayment scheduling
- Interest calculation engine
- Penalty and fee management
5. Collections Management Platform (CMP)
Intelligent collections and recovery
- Rule-based collection strategies
- Multi-channel communications
- Field agent management
- Recovery analytics
6. Digital Banking Module (DBM)
Customer-facing banking services
- Account management
- Fund transfers (internal/external)
- Mobile money integration
- Statement generation
7. Partner Integration Hub (PIH)
Third-party service integrations
- Credit bureau connectors
- Payment gateway integrations
- KYC/AML service providers
- Mobile network operators
8. Business Intelligence Platform (BIP)
Analytics and reporting
- Real-time dashboards
- Portfolio analytics
- Regulatory reporting
- Custom report builder
Web Applications
1. Customer Mobile Application
Target Users: Loan applicants, existing borrowers
Features:
- Loan application wizard with document upload
- Real-time application status tracking
- Loan offer comparison and acceptance
- Repayment schedule and reminders
- Digital receipts and statements
- In-app customer support chat
- Biometric authentication (fingerprint/face)
- Loan calculator and eligibility checker
2. Customer Web Portal
Target Users: Customers preferring web interface
Features:
- Responsive design for all devices
- Complete loan application process
- Account management and profile updates
- Document upload and management
- Transaction history and statements
- Support ticket management
3. Loan Officer Mobile Application
Target Users: Field loan officers, relationship managers
Features:
- Customer onboarding and KYC collection
- GPS-tagged site visits
- Document scanning and verification
- Offline data collection with sync
- Real-time credit decision results
- Collection task management
- Daily activity reports
4. Operations Admin Console
Target Users: Operations managers, system administrators
Features:
- User management and access control
- Loan product configuration
- Interest rate and fee management
- Workflow configuration
- System health monitoring
- Batch job management
System Roles and Access Control
All modules implement Role-Based Access Control (RBAC) with the following hierarchy:
Administrative Roles
| Role | Access Level | Permissions |
|---|---|---|
| System Administrator | Full system access | All configurations, user management, audit logs |
| Operations Manager | Operations module | Loan processing, user management, reports |
| Product Manager | Configuration | Loan products, rates, terms, workflows |
Business Roles
| Role | Access Level | Permissions |
|---|---|---|
| Credit Analyst | Underwriting | Application review, credit decisions, overrides |
| Senior Credit Analyst | Enhanced underwriting | Higher approval limits, policy exceptions |
| Credit Manager | Credit department | Team management, escalations, limit setting |
Technical Roles
| Role | Access Level | Permissions |
|---|---|---|
| API Consumer | Public API | REST API access within approved scopes |
| Integration Partner | Partner API | Partner-specific endpoints |
| Support Engineer | Technical support | Troubleshooting tools, limited data access |
Performance Specifications
System Capacity
| Metric | Specification |
|---|---|
| Concurrent Users | 50,000+ |
| Transactions/second | 5,000 TPS |
| Daily Loan Applications | 100,000+ |
| Data Storage | Petabyte-scale |
Response Time SLAs
| Operation | P50 | P95 | P99 |
|---|---|---|---|
| API Read | 50ms | 150ms | 300ms |
| API Write | 100ms | 250ms | 500ms |
| Credit Decision | 3s | 8s | 15s |
| Report Generation | 5s | 30s | 120s |