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Client’s Country: Australia

Engineers involved in this program: Our top engineers specializing in Ruby on Rails

Timeline: Nov 2018 - May 2019

Industry: Finance, Fintech

Website: http://www.personifi.com.au/

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Personifi is Backed by Telstra, Personifi is Australia’s online personal loan broker that helps users find their personal loans. It offers a loan ranging from $2,000 to $50,000 for debt consolidation, home improvement, and a range of other personal expenses. The specialty of Personifi is that it can help users to borrow money easily without having to meet standard requirements.an Australia’s online personal loan broker which helps users find their personal loans. It offers a loan ranging from $2,000 to $50,000 for debt consolidation, home improvement and a range of other personal expenses. The special of Personifi is this can help users borrow money easier and don’t meet the requirements.


  • Some loan calculation formulas were difficult to handle. We had to ensure that formulas will be able to run at high speed and with complete accuracy.

  • Virtual security: we need to establish a high-level layer of protection for this fintech web to protect users’ identity and also because of money-related issues.

  • Retaining human touch: we had to make sure the user experience is not overloaded with complicated algorithms & machinery tools. We have to make the journey to solve the problem smooth, simple, and not overwhelming.

  • Assure smooth web UI across all pages while fetching chunky data & functioning through complex calculation.

Technology solutions

We use Ruby on Rails & PostgreSQL. RoR can help us with both building and securing a website. Ruby on Rails is known for its stability and predictability. It can minimize the website development time by 25-50% as compared to other popular web frameworks. PostgreSQL is the most advanced open-source database. With PostgreSQL, data can be stored with diverse indexing techniques, extension functions, and different kinds of techniques for geographic data storage such as PostGIS, Key-Value Store, and DBLink.

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Core features

  • A loan application process for users to input their financial status & needs. Afterward, the system automatically finds and matches info with respective suggested loans that can be applied completely online.

  • A full-functioned page with flawless web UI: a contact form, credit guide, homepage, about us page & regulations confirmation page

  • Database storage and front-end system that is safe & secure from cybersecurity threats

  • Integration loan calculation formulas of high-level complexity

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Final results

  • Personifi is now Australia's leading digital broker for personal loans

  • Personifi has been recognized by Telstra as one of Australia's fastest-growing fintech companies. They are Australia's only purely online marketplace specializing in personal loans, and now supporting thousands of Australians each year.

Interesting our work?

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