{"id":965,"date":"2026-04-09T09:42:44","date_gmt":"2026-04-09T09:42:44","guid":{"rendered":"https:\/\/srini.ee\/?post_type=case&p=965"},"modified":"2026-05-27T12:40:42","modified_gmt":"2026-05-27T12:40:42","slug":"from-clunky-third-party-scoring-to-in-house-real-time-credit-decisions","status":"publish","type":"case","link":"https:\/\/srini.ee\/en\/case-studies\/from-clunky-third-party-scoring-to-in-house-real-time-credit-decisions\/","title":{"rendered":"From clunky third-party scoring to in-house, real-time credit decisions\u00a0"},"content":{"rendered":"
\r\n

Modena is an Estonian fintech offering\u00a0<\/span>BN<\/span>P<\/span>L<\/span>, instalment plans, consumer loans, and business credit, trusted by 100,000+ customers and regulated by the Estonian Financial Supervision Authority.<\/span><\/h3>\n<\/div>\r\n\r\n\n\n
\r\n
\r\n \r\n
\n\r\n
\r\n
\r\n
Audience<\/dt>\r\n
B2C & B2B in one flow<\/dd>\r\n <\/dl>\r\n
\r\n
New credit scoring system<\/dt>\r\n
Built in 3 months<\/dd>\r\n <\/dl>\r\n <\/div>\n<\/div>\r\n <\/div>\r\n \r\n<\/div>\r\n\n\n
\r\n

Challenge\u00a0<\/strong><\/p>\n

Modena set out to expand\u00a0BNPL\u00a0and loan offerings, but the external credit-scoring provider they had been using was slow, unreliable, and forced customers through third-party interfaces that damaged trust.\u00a0As a licensed credit provider,\u00a0mission-critical payment operations\u00a0could not tolerate that level of friction.<\/span>\u00a0<\/span><\/p>\n

Solution\u00a0<\/strong><\/p>\n

    \n
  • AI-powered credit scoring engine.\u00a0<\/span><\/b>Built in-house in three months; ingests customer bank data,\u00a0categorizes\u00a0it, and returns\u00a0a real-time creditworthiness score for both private and business customers.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
      \n
    • B2C + B2B application portal.\u00a0<\/span><\/b>One streamlined loan application flow with decision logic that adapts to the customer type.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
        \n
      • Merchant\u00a0webshop\u00a0plugins.\u00a0<\/span><\/b>Retailers can offer Modena’s\u00a0BNPL\u00a0service at checkout, expanding reach across Estonia’s digital retail market.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
          \n
        • No\u00a0third-party\u00a0redirects.\u00a0<\/span><\/b>Onboarding stays inside the Modena interface, removing the trust gap the\u00a0previous\u00a0provider had created.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
            \n
          • AI across everyday workflows.\u00a0<\/span><\/b>Internal tools help generate reports on demand and guide marketing by surfacing which customers to contact with which offer.<\/span><\/li>\n<\/ul>\n<\/div>\r\n\r\n\n\n\n
            \n
            \n\t
              \n\t\t\t\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\tAI<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\tBackend<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\tKotlin<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\tSelf-Service<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\tUX<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n
              \"\"<\/figure>\n\n\n
              \r\n

              Result\u00a0<\/strong><\/p>\n

                \n
              • Near-instant credit decisions, end-to-end inside Modena’s own interface.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
                  \n
                • Higher scoring accuracy and lower default risk than the\u00a0previous\u00a0external provider.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
                    \n
                  • Expanded merchant reach across Estonian e-commerce.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
                      \n
                    • Faster product iteration \u2014 Modena can\u00a0respond to market changes in days, not quarters.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n

                       <\/p>\n

                      Key takeaway\u00a0<\/strong><\/p>\n

                      In regulated lending, owning the credit-scoring layer is what unlocks both speed and trust \u2014 and a small team with AI-accelerated development can build it in months.<\/span>\u00a0<\/span><\/p>\n<\/div>\r\n\r\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":1194,"template":"","case_category":[9,33,39,32,15],"industry":[14],"class_list":["post-965","case","type-case","status-publish","has-post-thumbnail","hentry","case_category-ai","case_category-backend","case_category-kotlin","case_category-self-service","case_category-ux","industry-fintech"],"acf":[],"yoast_head":"\nFrom clunky third-party scoring to in-house, real-time credit decisions\u00a0 \u2013 SRINI Case Study<\/title>\n<meta name=\"description\" content=\"Case Study: BNPL and Loan Product Suite for Modena.ee \u2013 A SRINI case study in AI-powered software development.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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