Mobile lending journey
Mobile lending journey
A resumable, mobile-first application: biometric capture, dynamic validation, and mid-session save that cuts abandonment.
Solutions · Financial Services
Explainable credit decisions in under eight minutes.
Application capture, decisioning, underwriting, and disbursement, engineered against FCA Consumer Duty and PRA SS1/23 model-risk from week one.
Solutions we provide
One lending platform, every applicant surface.
One decision engine, one audit trail: the app borrowers apply in, the portal they service from, and the underwriter console.
Borrower servicing portal
Borrower servicing portal
Statements, repayment schedules, payment-holiday requests, and arrears self-service, accessible for every customer.
Underwriter console
Underwriter console
Case management with full customer context, per-decision reason codes, and one-click FCA and PRA export.
Benefits of the platform
What changes once the platform ships.
Production lending outcomes, each figure sourced to a named client engagement.
The benefit that matters most
Explainable credit decisions, live inside the audit window.
Application capture, ML decisioning, underwriting, disbursement, and servicing, built, pen-tested, and model-risk-cleared in one 20-week programme.
under 8 minMedian quote-to-decision cycle
67%
Auto-approval on decisioned applications
- UK SME lender, up from 28%
under 8 min
Median quote-to-decision cycle
- UK SME lender, post-rebuild
+11 NPS
Lending-journey NPS uplift
- Tier-2 UK retail bank, rolling
What lenders measure 12 months on.
- under 28%
- Application abandonment rate
- Re-cut to a resumable journey; was above 65%.
- zero
- Consumer Duty findings at FCA review
- Reason codes mapped to harm categories.
- quarterly
- Model retrain with second-line sign-off
- SS1/23 model cards the PRA accepts as evidence.
From rule-engine drag to audited velocity
The lending failures our engineering retires.
Six structural defects every origination programme inherits, and the shape we ship in their place.
BeforeLegacy
- 14-day quote-to-fund
- 65%+ abandonment
- Rule-engine spaghetti
- Annual model ceremony
- Sub-30% auto-approval
- Manual Duty evidence
BritonOne Technology Lending PlatformOne platform. One audit trail. One source of truth.
100% Live- Solved
Event-driven origination core
An event stream over the core and decision services, so capture, decisioning, and disbursement leave the overnight batch.
- Solved
Five-screen lending journey
Resumable application with biometric capture and dynamic validation lifts completion before a credit search ever runs.
- Solved
Unified disbursement ledger
Faster Payments, SEPA, and card disbursement settle into one idempotent double-entry ledger, automatically reconciled.
- Solved
Continuous model pipeline
Quarterly retrains behind continuous second-line monitoring replace the annual model ceremony, without the SS1/23 fear.
- Solved
Explainable ML decisioning
Every application scores inline with per-feature attribution and reason codes: a defensible decline, not a rule label.
- Solved
Signed Consumer Duty evidence
Immutable reason codes and fair-value evidence stream continuously to your CloudTrail, Sentinel, or Chronicle SIEM.
Regulatory by designFCA · PRA · EBA aligned
Audit-readyEvidence from day one
Secure & resilientBy design
Runs in your cloudAWS · Azure · GCP
How we build
Our step-by-step way of building your lender.
A proven roadmap turning a regulated lending programme into bounded, audit-cleared stages.
- 1Week 1–4
Map the regulator surface
Audit the funnel and FCA Consumer Duty, SS1/23, and Consumer Credit Act articles in play, then lock a costed plan.
- 2Before any code
Design the credit model
Model specification, data flows, and a signed model card, cleared with second-line leads before decisioning ships.
- 3Every sprint
Build in vertical slices
Application, decisioning, underwriting, and disbursement progress in parallel pods behind feature flags, with CI gates from commit one.
- 4Before ramp
Harden, clear & launch
Pen-test, accessibility audit, and the FCA notification pack, then pilot to a control cohort, clear review, and scale.
Why BritonOne Technology
Why lenders build with us.
Regulated lending is the work we do most. Every reason below is one a reference client will confirm on a call.
Regulator-fluent architects
The architect on your discovery call is the one in your FCA meeting. Consumer Duty and SS1/23 are design inputs, not gates.
We run inside your cloud
Your AWS, Azure, or GCP account, your IAM, your KMS: no client data held, no shadow copies of credit files.
Model evidence produced in step
Model cards, reason-code mappings, and the Consumer Duty pack ship each sprint, not a scramble before a review.
Bounded, costed scope
A paid four-week diagnostic and a fixed-price build plan: no open-ended retainers, no scope that quietly expands.
One senior team, end to end
Decisioning, underwriting, disbursement, servicing, and 24×7 SRE from one senior pod, no hand-off cliff.
Proven on credit-risk timelines
We took a UK SME lender from a 9-day quote-to-fund to under 8 minutes, SS1/23 evidence cleared at first review.
Success stories
Programmes we have shipped
31%
Fintech
Explainable credit scoring for a digital lender
Lifted approval rates 31% at constant loss, every decision reason-coded for the FCA.
PythonLightGBMSHAPAWS SageMaker
Country · UK
15x
Fintech
CI/CD overhaul for a fintech
Lifted release frequency 15x with automated gates and one-click rollback.
GitHub ActionsArgo RolloutsKubernetesTerraform
Country · UK
$1B+ in loans matched
Banking
Lending and borrowing marketplace for a DeFi fintech
Matched borrower demand to non-custodial money markets through a single application, routing more than a billion dollars in loans across lines of credit and term loans.
SolidityAave v3ChainlinkEthereum
Country · US
44%
Banking
Grounded knowledge copilot for a retail bank contact centre
Cut average handle time 44% across 2,600 agents, with answers grounded in approved policy only.
PythonAzure OpenAIAzure AI SearchKubernetes
Country · UK
89%
Fintech
Autonomous reconciliation for a payments processor
Resolved 89% of reconciliation breaks without a human, every action logged for audit.
PythonTemporalLangGraphPostgresAWS
Country · DE
12x
Wealth Management
Adverse-media screening for a private bank
Screened 12x more names at a lower false-positive rate, each hit evidenced.
PythonTransformersElasticsearchAzure
Country · CH
9 months
Banking
Core-banking platform build for a challenger bank
Ledger, accounts, and payment rails delivered to an FCA launch milestone in 9 months.
GoPostgreSQLKafkaKubernetesAWS
Country · UK
120+
Fintech
API and integration layer for a payments group
Unified 120+ partner integrations behind one governed API gateway.
TypeScriptNode.jsKongOpenAPIAWS
Country · DE
78%
Banking
Onboarding web app for a digital bank
Straight-through KYC onboarding raised completion to 78%.
ReactTypeScriptNode.jsAWS
Country · UK
0 outages
Retail
Cloud migration for an omnichannel retailer
Re-platformed e-commerce to the cloud, holding availability through a record peak-season trading day.
AWSTerraformEKSCloudFront
Country · UK
44%
Banking
AML transaction-monitoring analytics for a bank
Cut false-positive AML alerts 44% at a bank while catching more genuine risk.
SnowflakedbtPythonPower BI
Country · UK
22%
Wealth Management
Customer identity rebuild for a wealth platform
Passwordless identity cut account-takeover 22% and sign-in friction at a wealth platform.
Auth0WebAuthnFIDO2Node.js
Country · CH
10k+ assertions
Banking
API testing for a digital banking app
Delivered 10,000+ automated assertions across balance, transfer, and payment APIs, catching every schema and auth regression before release for a digital bank.
PostmanRESTNewmanJMeter
Country · UK
3x
Retail
Checkout stress and spike testing for a merchant platform
Isolated the true checkout bottleneck and produced a validated capacity model showing three times the throughput headroom the platform believed it had.
GatlingJMeterGrafanaNew Relic
Country · US
Auth hardened
Government & Public
Authentication and access-control testing for an identity platform
Tested login, SSO, and token flows end to end and hardened the identity layer against real abuse cases before rollout.
Burp SuiteOAuth2OIDCJWT
Country · CH
60% narrower scope
Government & Public
Verifiable-credential feasibility study for a workforce platform
Scoped a focused credentialing pilot over a full rebuild, narrowing the programme 60% for a workforce management platform.
Feasibility studyChain selectionVerifiable CredentialsROI model
Country · UK
3-chain shortlist
Fintech
Stablecoin settlement strategy for a finance SaaS
Delivered a reference architecture and a three-chain shortlist for embedding stablecoin settlement into a SaaS finance platform's cash-flow workflows.
Feasibility studyStablecoinsSolution architectureChain selection
Country · US
ERC-3643 blueprint
Wealth Management
Real-estate tokenisation and tokenomics advisory
Delivered a fractional real-estate tokenisation model with an ERC-3643 compliance blueprint for regulated investor onboarding.
TokenomicsRWA tokenisationERC-3643Chain selection
Country · AE
0 critical findings
Fintech
On-chain escrow and payout rails for a founder finance platform
Programmable escrow and stablecoin payout contracts cleared external audit with zero critical or high findings for a founder finance platform.
SolidityOpenZeppelinAccount AbstractionBase
Country · UK
Who we are
About usBritonOne Technology is a full-cycle engineering company that builds and operates production software for regulated estates. Since 2017, we have shipped programmes that clear audit on the first pass across banking, insurance, wealth, healthcare, and biotech. Our teams pair deep domain knowledge with disciplined engineering, treating compliance, security, and resilience as first-class deliverables. From architecture through to live operations, we stay accountable for the systems we build, measuring success by uptime, audit outcomes, and defensible business results.
60+Senior engineers across UK and EU
Why choose us
Engineer experience, average9+ yrs
Specialist replacement window48h
Code and IP ownership, day one100%
Surprise invoicesZero
Reference calls, not slideware
What lending teams say after go-live.
Every quote below comes from a programme we shipped, and a reference our prospects are welcome to call.
Quote-to-fund cut from days to minutes.
“Our quote-to-fund cycle was nine days, auto-approval at 28%, underwriters drowning. BritonOne Technology shipped the new platform in twenty weeks. Quote-to-decision is now under 8 minutes and the PRA SS1/23 model-risk evidence cleared at first second-line review.”
Director of LendingUK SME lender
Common questions
What heads of lending and CROs ask first.
