Building a Modern and Secure Payroll Loan Solution with Capital Consig
Capital Consig is a Brazilian financial technology institution (SCD) founded in 2018, specializing in payroll loan solutions.
Capital Consig operated with manual, inefficient payroll loan processes. Their initial banking core integration fell short of requirements, necessitating a modernized, secure, and technically advanced system.
The Challenge
Capital Consig was operating with outdated, manual processes for payroll loan management, creating inefficiencies and limiting their growth potential.
Key challenges included:
- Manual, inefficient payroll loan processes
- Initial banking core integration that fell short of requirements
- Need for a modernized, secure, and technically advanced system
- Complex regulatory requirements for the Brazilian financial market
Our Approach
Luby developed a comprehensive modernization strategy with a focus on UX research, system development, and regulatory compliance.
Discovery & Design
UX/UI team conducted discovery to identify user pain points and created a product roadmap with wireframes and prototypes.
Core System Development
Built a hybrid application automating payroll loan operations including loan applications, interest calculations, document collection, and electronic signatures.
Integrations & Security
Integrated with Brazilian Payment System (SPB), Instant Payment System (SPI), and implemented advanced KYC tools including Face Match and Liveness Detection.
Platform Expansion
Beyond payroll loans, Luby expanded the platform with comprehensive digital account services.
Digital Banking Services
- • Mobile top-ups
- • Batch transfers
- • Bill payments
- • Pix integration
Security Framework
- • KYC integration (C&M, Nextcode, Datavalid)
- • Face Match verification
- • Liveness Detection
- • Background Checks
Results
Customers Acquired
Star App Rating
Regulatory Compliance