Case Study — Fintech / Investment Platform
Building an investment platform with Plaid-powered credit scoring for Asabik
The Client
Asabik is an innovative platform based in the USA that connects investors with business owners seeking investment through a web dashboard and mobile app. Users undergo a verification process, and business owners' profiles include comprehensive business plans and funding needs.
The platform assigns each business a reliability rating based on an advanced mathematical model that uses financial data from Plaid. This ensures investors make informed decisions, supporting businesses poised for growth while receiving returns tied to real profits.
The Problem
The primary aim was to revolutionize the investment landscape by constructing a platform that equally empowers investors and business owners. The objective was to go beyond traditional investment interfaces and introduce a system that leverages real-time financial data to facilitate sound investment decisions. By integrating a robust analytical algorithm, the platform assesses the creditworthiness of businesses using direct data from their bank statements via Plaid.
Challenges & Solutions
Abstract Requirements to Digital Product
Translating a complex investment concept into an intuitive user-friendly platform with separate investor and business owner dashboards required deep understanding of financial workflows.
Structured Discovery Workshops
Started with a series of online workshops to establish clear project requirements. Frequent communication and regular calls provided progress updates and immediate feedback, ensuring every phase aligned with business needs.
Real-Time Financial Data Integration
The platform needed to pull live bank data and calculate reliability scores using a complex mathematical model — not just display static numbers.
Plaid-Powered Credit Scoring Engine
Integrated Plaid API to retrieve verified financial data directly from business bank accounts. Built an advanced mathematical model that analyzes transaction history, cash flow, and revenue patterns to generate a trustworthiness rating for each business.
Cross-Platform Mobile Development
Needed native mobile apps for both iOS and Android alongside the full web dashboard, without doubling development effort.
Flutter Cross-Platform Build
Developed using Flutter to create a single codebase that compiles into native apps for both platforms. Ensured consistent user experience across web and mobile while significantly reducing development time.
Fintech App Store Compliance
Financial apps handling sensitive data face particularly rigorous review processes from Apple and Google. Multiple rounds of security and compliance review were required.
Full Compliance & Submission Management
Handled the entire app store submission process including security documentation, privacy audits, reviewer communications, and iterative modifications. Ensured the app met all financial regulatory standards before approval.
Collaborative UX/UI Design for Complex Workflows
Investment and business funding workflows are inherently complex — translating them into a clean, intuitive interface required close collaboration.
Figma-Based Real-Time Design Collaboration
Used Figma for real-time design collaboration with the client. Iterative prototyping, quick feedback loops, and tool customization ensured the interface was clear, engaging, and aligned with business goals.
What We Delivered
Web Dashboard (Angular)
Full-featured investor and business owner web dashboard with business profiles, reliability ratings, investment management, and real-time data visualization using Angular and MorrisJS.
Mobile Apps (iOS + Android)
Cross-platform mobile applications built with Flutter, providing a native experience on both App Store and Google Play with the same functionality as the web platform.
Plaid Financial Integration
Bank account verification and financial data analysis system using Plaid API. Custom mathematical model for real-time creditworthiness scoring based on actual bank statement data.
Payment Processing (ACHQ)
Secure payment infrastructure for investor-to-business fund transfers using ACHQ, with full transaction tracking and audit logging.
Cloud Infrastructure & CI/CD
Automated deployment pipeline with continuous integration and delivery, hosted on DigitalOcean. Includes NestJS Mailer for communications and FreshChat for real-time engagement.
Technology Stack
Results
Both mobile apps successfully published on App Store and Google Play after passing rigorous fintech compliance reviews.
Met all security, privacy, and financial regulatory standards required by app store reviewers and financial authorities.
Complete platform delivered end-to-end: from web dashboard to mobile apps, from Plaid integration to payment processing.
Frequently Asked Questions
What is an investment platform and how does Asabik work?
An investment platform connects people who want to invest capital with businesses seeking funding. Asabik takes this further by using real-time financial data — pulled directly from business bank accounts via Plaid — to generate a reliability rating for each business. This data-driven approach helps investors make informed decisions based on actual financial performance rather than self-reported figures.
How does Plaid integration improve the credibility of business profiles on an investment platform?
Plaid connects directly to a business owner's bank account and retrieves verified financial data such as transaction history, cash flow, and revenue patterns. This eliminates the reliance on manually submitted documents and enables an advanced mathematical model to calculate a trustworthiness score — giving investors real, data-backed insight into each business's financial health.
What technology stack was used to build the Asabik platform?
Asabik was built using NestJS and Node.js on the backend with TypeScript and TypeORM for data management, backed by a PostgreSQL database. The web frontend uses Angular, while the mobile apps for iOS and Android were developed with Flutter. Financial integrations rely on Plaid and ACHQ, and the entire infrastructure is hosted on DigitalOcean with a full CI/CD pipeline for automated deployments.
How long does it take to build a custom fintech platform from scratch?
The timeline varies significantly based on the platform's complexity, regulatory requirements, and feature set. A full-scale investment platform like Asabik — including web dashboard, mobile apps, Plaid integration, custom financial algorithms, and app store compliance — typically requires several months of development, from initial workshops through to deployment and app store approval.
What is the app store compliance process like for fintech applications?
Fintech apps face particularly rigorous review processes from both the Apple App Store and Google Play Store. This includes detailed scrutiny of security protocols, data privacy practices, and financial regulatory compliance. The process often involves multiple rounds of reviewer feedback, documentation requests, and app modifications before final approval is granted. Marotino handles the entire submission and compliance process on behalf of the client.
Can you build a mobile app for both iOS and Android from a single codebase?
Yes. Using cross-platform frameworks like Flutter — which was used for Asabik — it's possible to develop a single codebase that compiles into native apps for both iOS and Android. This approach significantly reduces development time and cost while ensuring a consistent user experience across both platforms.
How do you ensure the security of sensitive financial data on a custom platform?
Security is built into every layer of the architecture — from encrypted database storage with PostgreSQL to secure API communication with Plaid, strict authentication and verification flows for all users, and compliance with financial industry standards. Hosting on reliable cloud infrastructure with automated CI/CD pipelines also ensures that security patches and updates are deployed quickly and consistently.
Do you handle the full product development process, from concept to launch?
Yes. Marotino manages every stage — from initial discovery workshops and UI/UX design in Figma, through backend and frontend development, mobile app build, QA testing, app store submission, and post-launch support. Regular communication and progress updates ensure full transparency and alignment with the client's vision at every milestone.
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