Case study · FinTech
FinMarket — credit bureau & financial marketplace
Your credit reputation under full control. Kyrgyzstan's digital credit bureau: a BePartner-model credit score, full reports, product matching across 7 banks and online applications.
Keep scrolling — the product pages scroll on their own
Catalogue & partners
5 product categories from 7 banks and MFIs, matched to the borrower's profile
- Industry
- FinTech & banking
- Status
- In production
- Client
- The BePartner ecosystem
- Platforms
- Web · iOS · Android
- Role
- End-to-end design & development
Challenge
Borrowers couldn't see their credit reputation, and picking a loan meant manually crawling bank websites: scores were hidden, terms opaque, and applications offline only.
Solution
We built FinMarket on BePartner data: a 300–850 credit score, a full credit report, a product marketplace with profile matching, online applications and an organisation portal with borrower scoring for banks.
About the project
FinMarket is Kyrgyzstan's digital credit bureau and the second product of the BePartner ecosystem. A borrower sees their 300–850 score, a full credit report and personal recommendations, picks loans, cards, deposits, installments and insurance matched to their profile — and applies online. Banks receive a stream of applications with a ready score.
Identification via BePartner — no paperwork or office visits, the first step takes a couple of minutes
Process
From identification to a bank application
Get identified
Sign in via BePartner — no paperwork or office visits. Identification takes about 2 minutes and unlocks your report.
Get your score and report
A 300–850 score on the BePartner model, default probability and five factors: payment discipline, debt load, history length, inquiries, active loans.
Pick a product and apply
A catalogue of 7 banks and MFIs with profile matching and pre-approved offers. Apply online and track the status in your account.
Web platform
Score, catalogue and comparison in the browser
01 · Product catalogue
Every product comes with a profile match
Loans, cards, deposits, installments and insurance from 7 banks and MFIs. The marketplace computes a match against your score — from 96% for pre-approved offers — and sorts the catalogue for the borrower.
- A profile match on every offer
- Filters: bank, amount, rate, pre-approved
- Category analytics: rates from 17.9%
02 · Personal account
Your score, its trend and how to raise it
The account shows the year's score trend, "lowers / supports" factors, 12 months of payment discipline and personal recommendations: from early repayment to card limits.
- Score trend: +34 in a year, class B1
- Factors: what lowers and what supports the score
- The loan self-ban switches on in one click
03 · Comparison
Products side by side, with your payment computed
Comparison computes the payment for your amount and term on each product, marks the better terms and shows the profile match — decisions rest on numbers, not ads.
- Monthly payment for your amount and term
- "Better value" marks on rate and overpayment
- One-click checkout for the chosen product
Four more pages of the platform
01Loan calculator and payment schedule
02Product page with the bank's terms
03A three-step online application
04Portfolio analytics for the organisation
For banks
The organisation portal: applications arrive pre-scored
FinMarket is a two-sided marketplace. A bank lists products on the storefront and receives applications where every borrower already has a BePartner score: what's left is a decision, not paperwork.
Pre-scored applications
48 new applications a month in the demo portal — each with the borrower's score, amount and product.
A portfolio by score
Borrower distribution across the 300–850 ranges and the week's application trend on one dashboard.
Client checks and analytics
Dedicated sections for BePartner-based borrower checks, product management and approval analytics: 64% at an average score of 706.
What you get
Credit bureau tools in one service
Credit rating and scoring
The score is computed by the BePartner model from credit history and five factors.
A full credit report
Every loan, payment, inquiry and pledge from the BePartner database in one document.
Product matching and comparison
Loans, cards, deposits, installments and insurance matched to your profile.
A self-ban on loans
Fraud protection switches on in one click and is visible to every partner bank.
History monitoring
Notifications about new inquiries and changes in your credit report.
A loan calculator
Payment, overpayment and the full schedule — annuity or reducing-balance.
Mobile app
Your score and loans in your pocket
01 · Home
The score greets you on the first screen
745 of 850, the risk class and default probability right on the home screen. Below — bureau services, the product catalogue and the loan calculator.
- Score, risk class and trend
- Payment discipline and debt load
- Quick access to the catalogue and report
02 · Catalogue
Score-based matching right in the results
The loan catalogue with profile matching, filters by bank, amount and rate, and pre-approved offer marks.
- A profile match on every product
- Filters and sorting by terms
- Pre-approved offers highlighted
03 · Product
The bank's terms with no fine print
Rate, amount, term, requirements and a payment computed for your profile — all on the product page, where you apply right away.
- A payment computed for your amount and term
- Bank requirements and needed documents
- An online application from the product page
04 · Comparison
The better deal is obvious
Up to three products side by side: rate, payment, maximum amount and profile match, with better-value marks.
- Up to 3 products in one comparison
- Payment for your amount and term
- "Better value" marks on key terms
05 · Account
Loans, payments and inquiries under control
Active loans with balance and schedule, 12 months of payment history, organisation inquiries and self-ban settings — all in the account.
- Active loans and current debt
- Who requested your report and when
- Bank application statuses
The rest of the app's screens
Sign-in via BePartner
Payment history
My loans
Bureau inquiries
Application: parameters
Application accepted
Settings and the self-ban
Card catalogue
Insurance
The service in numbers
A credit bureau built on BePartner data
745 is the demo profile's score on the BePartner model: the low-risk zone starts at 740 points
7
partner banks and MFIs on the storefront
2 minutes
is all identification via BePartner takes
850
is the top of the 300–850 score scale
24/7
data refresh from BePartner
Audiences
One service, both sides of a loan
Borrowers
See their score and report, get recommendations and take out products online with no bank visits.
Banks & MFIs
List products on the storefront and receive applications with a ready borrower score.
Risk teams
Check clients against BePartner data and see the portfolio's score distribution.
The BePartner ecosystem
The scoring model and bureau data are reused in a second product with no rebuild.
Result
Borrowers see and improve their score and get products online in minutes, while banks receive applications with a ready BePartner score instead of manual client checks.
Next project
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