Project FlexiFin

Visa payment cards issuing

Customization of LightCMS, selection of the card processor, setup of BIN sponsorship, and integration of internal systems. We took care of all of this for FlexiFin.

4months
implementation of the entire ‘card world’
VISA
payment cards issuing
Enfuce
integration with the card processor
24/7
monitoring and support for the key systems

Industry: Consumer finance
Market: Czechia
Duration: 4 months
Processor: Enfuce

FlexiFin is a consumer finance provider offering a wide range of financial services, including revolving credit and cash loans. They specialize in solutions tailored to the individual needs of customers in the consumer finance sector.

The company’s key product is MTP, which allows clients to flexibly set the repayment amount and due date. This product is particularly popular for its option of repeated withdrawals, which is why FlexiFin focused on expanding it to enable payments and withdrawals via payment cards.

How we did it

Project timeline

01
Professional Tender Preparation:
We prepared the complete documentation for the official tender process for selecting a card processor or technology provider, including
- Detailed specification of requirements and technical parameters
- Qualification criteria for suppliers
- Evaluation metrics for fair bid assessment
- Implementation schedule and milestones
02
Professional Card Processor Selection:
We selected the optimal card processor based on the client’s specific needs, including:
- Analysis of card processor offers, including Enfuce
- Comparison of commercial and technical terms
- Evaluation of efficiency, security, and scalability
- Verification of references and integration experience
03
Cost Calculation & Business Case
We executed the project and ensured seamless integration with the client’s existing systems.
- Complete business case of the implementation project
- Calculation of investments and return on investment
- Analysis of monthly operating costs
- Prediction of cost development in different scenarios
04
Implementation of the Authorization System
We delivered a reliable and scalable authorization host to the client:
- High-performance system with minimal response times
- Secure ecosystem for issuing payment cards
- Scalable solution tailored for growth
- Compliance with security and regulatory requirements
05
Integration with the Enfuce Card Processor
We prepared complete documentation for the official tender for a card processor or technology provider, including:
- Compatibility with the API of the Enfuce processor
- Secure data transfer and processing
- Testing and certification of the integration
- Production environment preparation
06
Design of a High-Availability Infrastructure
We helped the client design and build the infrastructure for the card system:
- Design of a highly available and redundant infrastructure
- Consultations during construction and configuration
- Performance and availability optimization
- Protection against outages and attacks
07
Long-Term Support for the Card Solution
We continue to provide the client with comprehensive support even after the implementation of the solution:
- 24/7 monitoring and support for the key systems
- Routine updates and security patches
- Resolving incidents and operational problems
- Consulting the functionality expansions

Under the hood

Technologies used

Development platform: LightCMS; TranCore; Loyalty Engine; Java; Postgres
Authorization core: @Core Engine; RDS; Java; Redis
Framework: Spring
Virtualization: Kubernetes
Communication interface: Kafka; REST webservices
Network infrastructure: HAProxy
Security layer: NGINX
CI/CD pipeline: Github; Maven; Docker registry
Monitoring & analysis: Elastic; Kibana; Grafana; Prometheus; Zabbix; BetterStack

★★★★★

“The DOBITO team was an integral part of the entire project from the very beginning. Together with us, they prepared both the specifications for the card processor tender and participated in its evaluation. The actual implementation of the entire ‘card world’, including integration with our systems, was completed in just 4 months. Thorough performance and stress testing of the delivered solution, including disaster recovery scenarios, gave us complete confidence when entering the card business.”