Flutter Mobile & .NET Core Loan App
Budget: ₹75,000 – ₹150,000 INR
creating a loan application inspired by KreditBee, mPocket, and Simpl. The project will involve a mobile application built with Flutter and a web backend developed using .NET Core 8.1 with SQL Server as the database.
Project Overview
The loan application will combine the features of KreditBee, mPocket, and Simpl, offering personal loans and buy-now-pay-later (BNPL) services with a seamless user experience. The app will be designed to handle mobile users and will also include a robust admin panel and analytics through the web portal.
Target Platforms:
Mobile: Android and iOS using Flutter
Web: Admin and user management portal using .NET Core 8.1
Database: SQL Server
Key Features:
User Registration & Onboarding
Sign-up with phone number, email, or social login (Google, Facebook)
OTP verification for phone numbers
Profile creation with KYC documentation (Aadhaar, PAN, etc.)
Address verification and bank account linkage
Loan Application Process
Loan eligibility check based on user’s profile, credit score, and document verification
Select loan amount with flexible tenures
Instant loan disbursement for eligible users
EMI scheduling and reminders for repayment
Buy Now Pay Later (BNPL) Feature
Users can shop on partner sites and pay later through the app
BNPL credit limits based on the user profile
Repayment in installments with clear visibility of dues
Notifications for upcoming payments
Loan Repayment
Multiple repayment methods (UPI, credit card, debit card, net banking)
Automated EMI deduction via bank account or wallet integration
Penalty for late payments
Early repayment options with discounts or reduced interest
Credit Score Monitoring
Integration with credit bureaus to allow users to monitor their credit score
Recommendations on how to improve credit scores for better loan eligibility
Loan Calculator
Real-time EMI and interest calculations based on loan amount, tenure, and repayment ability
Visible breakdown of loan structure (interest, principal, and tenure)
Push Notifications
Personalized push notifications for:
Loan approval or rejection status
EMI reminders
Offers and discounts on the BNPL services
Referral Program
Users can refer friends and family to the platform
Earn referral bonuses when the referred user takes a loan or activates BNPL
Customer Support
In-app chat and call support
FAQs and automated responses to common queries
Ticketing system for complex support issues
Admin Features (Web)
User Management
View and manage user profiles
KYC verification and approval
Set user-specific loan limits
Loan Management
Approve or reject loan applications
Modify loan terms, EMI structure, and interest rates
Manage loan repayment schedules
BNPL Partner Management
Onboard and manage BNPL partner merchants
Set transaction limits for BNPL payments
Track user transactions across partner platforms
Credit Risk Analysis
View and analyze credit scores of users
Generate reports on user default risks
AI-based loan recommendation engine for safer lending practices
Payment Tracking
Monitor all user repayments and defaults
Generate detailed financial reports (loan disbursements, repayments, penalties)
Manage refunds and adjustments in user loan accounts
Notifications & Campaign Management
Set up push notification campaigns for users
Target users with personalized loan offers and discounts
Send payment reminders and promotional alerts
Audit & Compliance
Complete audit trail of all loan applications, approvals, and rejections
Generate compliance reports for government regulations
Technology Stack
Mobile Application
Framework: Flutter
Platforms: Android & iOS
State Management: Provider or Bloc
API Communication: REST APIs
Notifications: Firebase Cloud Messaging (FCM)
Analytics: Google Firebase
Backend (Web)
Framework: .NET Core 8.1
Web Server: IIS
API: RESTful APIs
Authentication: JWT (JSON Web Tokens)
Payment Gateway Integration: Razorpay, PayU, etc.
Analytics and Reporting: Power BI
Admin Panel: ASP.NET MVC
Database: SQL Server
ORM: Entity Framework Core
Caching: Redis (for high performance)
System Architecture Overview
Flutter Mobile App
User Interface (UI) designed in Flutter
Calls RESTful APIs hosted on .NET Core
Handles user authentication, loan application, BNPL process, repayments, etc.
Web Backend (.NET Core)
API layer: Serves data to the Flutter app and Admin portal
Admin portal for managing users, loans, BNPL, etc.
Handles KYC, loan approval workflows, and risk analysis
Integrates with payment gateways for loan disbursement and repayment collection
SQL Server Database
Stores user information, loans, and transaction details
Secures KYC data and credit history of users
Optimized for high-transaction volumes, with proper indexing and partitioning
APIs (Key Endpoints)
Authentication:
POST /api/auth/login
POST /api/auth/register
User Profile & KYC:
GET /api/user/profile
POST /api/user/kyc/upload
Loan Application:
POST /api/loan/apply
GET /api/loan/status
BNPL:
GET /api/bnpl/limit
POST /api/bnpl/transaction
Repayment:
POST /api/loan/repay
GET /api/loan/schedule
Development Timeline
Phase 1 (4-6 weeks):
Requirement Gathering and UI/UX Design for Mobile and Web
Set up SQL Server Database and APIs
Develop core Flutter Mobile App screens (Login, Registration, KYC)
Phase 2 (6-8 weeks):
Loan Application and BNPL features in Flutter
Backend logic for loan eligibility and credit scoring
Payment gateway integration (loan disbursement and repayment)
Phase 3 (4-6 weeks):
Admin Portal development in .NET Core
Full-feature loan and BNPL management, notifications, user management
Phase 4 (4 weeks):
Final testing (QA)
Performance optimization and load testing
Launch and deployment
Budget & Resources Required
Flutter Developer(s)
Backend Developer(s) (ASP.NET Core)
Database Administrator (SQL Server)
UI/UX Designer
QA Tester
Security Measures
Secure KYC and sensitive user data with AES encryption
Use SSL/TLS for secure data transmission
Two-factor authentication for user logins
Regular backups and data encryption in SQL Server
Project Overview
The loan application will combine the features of KreditBee, mPocket, and Simpl, offering personal loans and buy-now-pay-later (BNPL) services with a seamless user experience. The app will be designed to handle mobile users and will also include a robust admin panel and analytics through the web portal.
Target Platforms:
Mobile: Android and iOS using Flutter
Web: Admin and user management portal using .NET Core 8.1
Database: SQL Server
Key Features:
User Registration & Onboarding
Sign-up with phone number, email, or social login (Google, Facebook)
OTP verification for phone numbers
Profile creation with KYC documentation (Aadhaar, PAN, etc.)
Address verification and bank account linkage
Loan Application Process
Loan eligibility check based on user’s profile, credit score, and document verification
Select loan amount with flexible tenures
Instant loan disbursement for eligible users
EMI scheduling and reminders for repayment
Buy Now Pay Later (BNPL) Feature
Users can shop on partner sites and pay later through the app
BNPL credit limits based on the user profile
Repayment in installments with clear visibility of dues
Notifications for upcoming payments
Loan Repayment
Multiple repayment methods (UPI, credit card, debit card, net banking)
Automated EMI deduction via bank account or wallet integration
Penalty for late payments
Early repayment options with discounts or reduced interest
Credit Score Monitoring
Integration with credit bureaus to allow users to monitor their credit score
Recommendations on how to improve credit scores for better loan eligibility
Loan Calculator
Real-time EMI and interest calculations based on loan amount, tenure, and repayment ability
Visible breakdown of loan structure (interest, principal, and tenure)
Push Notifications
Personalized push notifications for:
Loan approval or rejection status
EMI reminders
Offers and discounts on the BNPL services
Referral Program
Users can refer friends and family to the platform
Earn referral bonuses when the referred user takes a loan or activates BNPL
Customer Support
In-app chat and call support
FAQs and automated responses to common queries
Ticketing system for complex support issues
Admin Features (Web)
User Management
View and manage user profiles
KYC verification and approval
Set user-specific loan limits
Loan Management
Approve or reject loan applications
Modify loan terms, EMI structure, and interest rates
Manage loan repayment schedules
BNPL Partner Management
Onboard and manage BNPL partner merchants
Set transaction limits for BNPL payments
Track user transactions across partner platforms
Credit Risk Analysis
View and analyze credit scores of users
Generate reports on user default risks
AI-based loan recommendation engine for safer lending practices
Payment Tracking
Monitor all user repayments and defaults
Generate detailed financial reports (loan disbursements, repayments, penalties)
Manage refunds and adjustments in user loan accounts
Notifications & Campaign Management
Set up push notification campaigns for users
Target users with personalized loan offers and discounts
Send payment reminders and promotional alerts
Audit & Compliance
Complete audit trail of all loan applications, approvals, and rejections
Generate compliance reports for government regulations
Technology Stack
Mobile Application
Framework: Flutter
Platforms: Android & iOS
State Management: Provider or Bloc
API Communication: REST APIs
Notifications: Firebase Cloud Messaging (FCM)
Analytics: Google Firebase
Backend (Web)
Framework: .NET Core 8.1
Web Server: IIS
API: RESTful APIs
Authentication: JWT (JSON Web Tokens)
Payment Gateway Integration: Razorpay, PayU, etc.
Analytics and Reporting: Power BI
Admin Panel: ASP.NET MVC
Database: SQL Server
ORM: Entity Framework Core
Caching: Redis (for high performance)
System Architecture Overview
Flutter Mobile App
User Interface (UI) designed in Flutter
Calls RESTful APIs hosted on .NET Core
Handles user authentication, loan application, BNPL process, repayments, etc.
Web Backend (.NET Core)
API layer: Serves data to the Flutter app and Admin portal
Admin portal for managing users, loans, BNPL, etc.
Handles KYC, loan approval workflows, and risk analysis
Integrates with payment gateways for loan disbursement and repayment collection
SQL Server Database
Stores user information, loans, and transaction details
Secures KYC data and credit history of users
Optimized for high-transaction volumes, with proper indexing and partitioning
APIs (Key Endpoints)
Authentication:
POST /api/auth/login
POST /api/auth/register
User Profile & KYC:
GET /api/user/profile
POST /api/user/kyc/upload
Loan Application:
POST /api/loan/apply
GET /api/loan/status
BNPL:
GET /api/bnpl/limit
POST /api/bnpl/transaction
Repayment:
POST /api/loan/repay
GET /api/loan/schedule
Development Timeline
Phase 1 (4-6 weeks):
Requirement Gathering and UI/UX Design for Mobile and Web
Set up SQL Server Database and APIs
Develop core Flutter Mobile App screens (Login, Registration, KYC)
Phase 2 (6-8 weeks):
Loan Application and BNPL features in Flutter
Backend logic for loan eligibility and credit scoring
Payment gateway integration (loan disbursement and repayment)
Phase 3 (4-6 weeks):
Admin Portal development in .NET Core
Full-feature loan and BNPL management, notifications, user management
Phase 4 (4 weeks):
Final testing (QA)
Performance optimization and load testing
Launch and deployment
Budget & Resources Required
Flutter Developer(s)
Backend Developer(s) (ASP.NET Core)
Database Administrator (SQL Server)
UI/UX Designer
QA Tester
Security Measures
Secure KYC and sensitive user data with AES encryption
Use SSL/TLS for secure data transmission
Two-factor authentication for user logins
Regular backups and data encryption in SQL Server