Fintech
Business-Aligned Platform Engineering
Peeled Finance
Peeled Finance enables brands to offer regulated lending products through a secure digital platform that connects brands, lenders and customers.
Proof point
Designed and built a secure lending platform for regulated financial operations.
Complexity
Regulated lending operations
KYC, AML and PSD2 context
Multiple third-party integrations
Capabilities
Business-Aligned Platform Engineering
Systems Integration & Data Architecture
Delivery Governance & Capability Support
Problems addressed
Digital lending workflow
Regulated financial operations
Third-party financial integrations
Impact
100%
digital loan application journey
The situation
Peeled Finance enables brands to offer regulated lending products through a secure digital platform that connects brands, lenders and customers.
Threadable designed and built a secure financial services platform supporting regulated lending workflows, complex data flows and integrations with third-party financial services.
What made the work complex
01
Regulated lending operations
This added operational or technical complexity that shaped how Threadable approached the work for Peeled Finance.
02
KYC, AML and PSD2 context
This added operational or technical complexity that shaped how Threadable approached the work for Peeled Finance.
03
Multiple third-party integrations
The work depended on connecting systems, data and workflows without creating fragile point-to-point dependencies.
Threadable’s role
Platform engineering
Designed and built platform capability around the organisation’s real workflows, users and operating constraints.
Systems and data integration
Connected systems and data flows so teams could operate from more reliable information.
Delivery governance
Strengthened delivery cadence, release confidence and internal capability.
How the work came together
Pressure
Digital lending workflow; Regulated financial operations; Third-party financial integrations
Threadable role
Threadable applied Business-Aligned Platform Engineering; Systems Integration & Data Architecture; Delivery Governance & Capability Support to address the operating problem.
Resulting capability
Designed and built a secure lending platform for regulated financial operations.
Outcomes and impact
Threadable designed and built a secure financial services platform supporting regulated lending workflows, complex data flows and integrations with third-party financial services.
Workflows became better supported
The platform was shaped around real operating patterns rather than generic assumptions.
Operational visibility improved
Teams and leaders gained clearer visibility into the workflows, systems or decisions involved.
Change became easier
The resulting platform foundations were easier to evolve as the organisation changed.
Other
100%
digital loan application journey
Scale
>15
third-party integrations
Other
400+
financial institutions accessible
Client perspective
Threadable were recommended to us by a high-profile existing client, which gave us a confidence of a strong track record. The Threadable team were involved from day 1 and helped us conceive, design and then architected and built our MVP. We were delighted with the approach and outcome and we continue to develop our product with them.
Nigel Rutherford
CEO, Peeled Finance
What mattered
Project context
Peeled Finance set out to create a 100% digital, mobile-first composable lending platform tailored to the highly regulated finance industry. Their goal was to empower businesses to design and launch lending products without dependency on specific vendors, products, or technologies. To achieve this, Peeled partnered with Threadable, leveraging their structured delivery model approach to build an integrated, scalable solution.
Delivering an Integrated and Flexible Platform
Threadable designed and developed a platform that provides brands with seamless access to unsecured loans while ensuring speed, simplicity, and transparency. This digital lending journey integrates with retail point-of-sale systems, legacy banking platforms, and modern SaaS solutions, simplifying finance offerings for retailers, wholesalers, and financial institutions.
Advanced Integrations for a Seamless Lending Experience
To replace traditional paper-based finance applications, Threadable built a solution that integrates effortlessly with customer purchase journeys, e-commerce systems, and banking platforms. The platform includes: • Fraud Detection & Risk Profiling: Leveraging advanced algorithms to assess risk. • Open Banking Standards (PSD2): Instant verification of spending habits and financial history. • Automated Underwriting & Credit Scoring: Real-time risk assessment and decisioning. • Facial Recognition & Identity Verification: Ensuring secure borrower authentication. • Document Forgery & Integrity Checks: For real-time validation of documentation. • Integrated Digital Car Valuations & History Checks: Enhancing auto finance capabilities. • Electronic Signatures: Enabling seamless contract execution and direct debit mandates.
Strategic Impact & Results
Threadable not only delivered a robust technology solution but also played a key role in shaping Peeled’s strategic vision. The outcome included: • A 100% digital loan application journey, covering quotation, underwriting, KYC, AML, fraud detection, and receivables management. • A project delivered on time and within budget. • A multi-tenant, multi-brand, multi-lingual, multi-currency-ready platform. • A flexible, composable lending platform with published APIs for seamless integration with legacy and modern banking systems. By utilising Threadable’s expertise and structured delivery model methodology, Peeled Finance now operates a revolutionary, fully digital lending platform, on AWS infrastructure. that sets new standards in financial services innovation.
Capabilities used
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