Dedicated Team · Brazil
Building a Modern Payroll Loan Solution
for a Brazilian Fintech
A Brazilian financial technology institution (SCD), founded in 2018, specializes in payroll loan solutions. The company operated with manual, inefficient payroll loan processes. Its initial banking core integration fell short of requirements, necessitating a modernized, secure, and technically advanced system.
Customers Acquired
Star App Rating
Secure Platform
Challenge
From manual processes to a compliant platform
The client was operating with outdated, manual processes for payroll loan management, creating inefficiencies and limiting growth — with a banking core integration that did not meet the bar for scale and security.
- Manual, inefficient payroll loan workflows
- Initial banking core integration below product and compliance needs
- Need for a modern, secure, and technically advanced system
- Complex regulatory requirements in the Brazilian financial market
Solution
Our approach
Luby developed a comprehensive modernization strategy with a focus on UX research, system development, and regulatory compliance.
Digital banking services
- Mobile top-ups
- Batch transfers
- Bill payments
- Pix integration
Security framework
- KYC (C&M, Nextcode, Datavalid)
- Face Match verification
- Liveness Detection
- Background checks
01
Discovery & design
UX/UI discovery to identify pain points, roadmap, wireframes, and prototypes.
02
Core system development
Hybrid application automating payroll loans — applications, interest, documents, and e-signatures.
03
Integrations & security
SPB, SPI, and advanced KYC including Face Match and Liveness Detection.
Results
Key outcomes
Customers acquired
Star app rating
Regulatory Compliance
Modern payroll loan experience with automated end-to-end flows
Deep integrations with Brazilian payment rails and KYC providers
Digital account and payments capabilities beyond core lending
Platform expansion
Beyond payroll loans, Luby expanded the platform with comprehensive digital account services.
Stack
Skills and technologies
Skills
Technologies
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View caseReady to modernize your lending platform with secure, scalable technology?
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