papaya case study

Streamlining the American experience by allowing payments through a simple photograph

Luby's Sucess Case - Papaya

The Papaya Challenge

Papaya’s goal was to simplify, modernize and speed up the bill payment process for Americans, from utility bills, medical expenses, parking tickets and much more. The ultimate goal was to create an application that could interpret different types of bills through photos and process the payment seamlessly.

The Luby solutions integrated into this project:

Banking Evolution

Initially, Papaya offered its services through an app developed for the IOS system, which was limited to users of that operating system and prevented it from reaching a significant portion of the American market.

With a team of mobile developers and a product owner (PO), we worked to develop an Android app that would make the operation even more robust while maintaining the essence of the solution. We paid attention to the usability and development peculiarities of a new operating system.

The project’s day-to-day activities involved the use of agile methodologies such as Scrum. Through its ceremonies and practices, we actively participated in product planning, always in collaboration with the client.

As a result, we were able to enhance the existing product, complementing Papaya’s offering not only in terms of technology, but also in terms of functionalities that became essential for the business.
Luby's Sucess Case - Papaya Website

Finance Outsourcing

With sufficient maturity to internalize development, Papaya took a significant step in its business and formed a team to continue the evolution of the product.

However, with a focus on application support, it continued to rely on Luby’s support through our finance outsourcing. We put together a multidisciplinary team to strategically help the client maintain its applications. Our adaptability was critical in providing Papaya with the ideal service for each stage of their business.
Luby's Sucess Case - Papaya Admin Panel

The results of this
strategic partnership:

Android app with over 100,000 downloads and a 4.7 rating on reviews.

Over 550,000 payments processed.

Increased the fintech's valuation to approximately $300 million.

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Client Review

I have been very happy working with the Luby team. Everyone is professional, responsive and flexible. They were open to suggestions and new ways of working together, and always seek feedback to continually improve the process.
Jason Meltzer (CTO & Co-Founder)

Skill Set

Front-end Development

Back-end Development

Mobile Development



Product Owner

Tech & Stack

About the company

Papaya, a fintech company, was founded in 2016 with the goal of improving the efficiency and user experience of paying bills in the United States. Recognizing that this process is very stressful for many Americans, and that the analog payment system leads to bureaucracy and delays in settling debts, resulting in losses for companies, merchants, and customers, Papaya embarked on its journey of innovation.

Still in the early stages, Papaya found a partner in Luby to join forces and develop an innovative mobile application using AI and computer vision.
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