Building a Modern Payroll Loan Solution
for a Brazilian Fintech
A Brazilian financial technology institution (SCD), founded in 2018, specializes in payroll loan solutions.
- 20,000+
Customers Acquired
- 4.3
Star App Rating
- Secure
Platform
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The client was operating with outdated, manual processes for payroll loan management, creating inefficiencies and limiting growth — with a banking core integration that did not meet the bar for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
Our approach
Luby developed a comprehensive modernization strategy with a focus on UX research, system development, and regulatory compliance.
Discovery & design
UX/UI discovery to identify pain points, roadmap, wireframes, and prototypes.
Core system development
Hybrid application automating payroll loans — applications, interest, documents, and e-signatures.
Integrations & security
SPB, SPI, and advanced KYC 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 (C&M, Nextcode, Datavalid)
- Face Match verification
- Liveness Detection
- Background checks
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
Skills & technology
Skill set
Tech & stacks
Ready to modernize your lending platform with secure, scalable technology?
Talk to our team about dedicated delivery and compliant lending products.