Modernizing Choice Payment’s Financing Platform
Delivered a scalable, Azure-hosted solution that accelerated loan processing by 40%.
Project Overview
We built “ChoicePay 3.0,” a next-generation consumer financing platform that streamlines loan applications from merchant checkout to final servicing. Hosted on Microsoft Azure and powered by React and .NET, the system delivers real-time credit decisioning, mobile-friendly experiences, and consolidated reporting—replacing a legacy on-premise monolith and fragmented spreadsheets with a unified, cloud-native solution.
The Challange
- An ageing .NET application hosted in-house suffered frequent outages, slow performance, and limited mobile support.
- Credit checks, loan approvals, and reporting were manual or siloed, slowing turnaround and hindering growth.
Our Solution
Working in Agile sprints, our team migrated ChoicePay 3.0 to Azure, designed secure environments for dev/test/prod, and rebuilt customer and merchant portals in React. We developed a robust API layer integrating Equifax, Experian, and TransUnion, and delivered a back-office servicing suite plus a Power BI dashboard for real-time analytics. Rigorous unit, integration, and UAT testing ensured compliance and 99.9% uptime from day one.
Features:
The Results
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Faster case completion
Staff adoption in 2 weeks
Reduced task duplication
Annual cost saving through improved efficency
The Results
40%
Faster loan processing
99.9%
Platform uptime
60%
API response improvement
25%
Annual cost savings
Summary
Focus Area
Project Overview
We built “ChoicePay 3.0,” a next-generation consumer financing platform that streamlines loan applications from merchant checkout to final servicing. Hosted on Microsoft Azure and powered by React and .NET, the system delivers real-time credit decisioning, mobile-friendly experiences, and consolidated reporting—replacing a legacy on-premise monolith and fragmented spreadsheets with a unified, cloud-native solution.
The Challange
- An ageing .NET application hosted in-house suffered frequent outages, slow performance, and limited mobile support.
- Credit checks, loan approvals, and reporting were manual or siloed, slowing turnaround and hindering growth.
Our Solution
- An ageing .NET application hosted in-house suffered frequent outages, slow performance, and limited mobile support.
- Credit checks, loan approvals, and reporting were manual or siloed, slowing turnaround and hindering growth.
The Impact
Within weeks of launch, Choice Payment Services saw rapid adoption across merchant partners and internal teams. Application turnaround times dropped sharply, customer satisfaction climbed, and the operations team now deploys new features weekly instead of quarterly. The new platform easily scales to peak demand, and built-in analytics empower leadership to make data-driven decisions—propelling Choice’s growth in a competitive market.
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