Online banking system

Industry ®

Online Banking

Scope of work

Mobile Application / Cloud Infrastructure

Timeline

May 2019 - April 2024

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Building a Modern Credit Platform

VitalCard is a financial technology platform built to give users a more transparent and engaging way to access and manage credit.

The product combines credit management, payments, rewards, referrals, and financial insights within a single digital experience. Behind the user-facing application is a backend ecosystem responsible for processing financial data, managing transactions, calculating rewards, and supporting the different workflows that power the platform. Our work focused on developing and improving the backend infrastructure behind these experiences while keeping reliability, data consistency, and maintainability at the center of the system.

Turning Financial Activity Into a Connected Experience

A large part of the platform revolves around translating complex financial operations into simple user-facing experiences.

Every transaction, payment, referral, reward, and credit-related action needs to be processed correctly before the result can appear inside the application. The backend was designed to manage these workflows while keeping the underlying business logic isolated and predictable. This included transaction processing, reversals, scheduled operations, referral calculations, scoring systems, and financial data aggregation. Special attention was given to edge cases such as timezone-sensitive calculations and historical financial data, where even small inconsistencies can directly affect what users see. The result is a backend layer capable of supporting complex financial workflows while keeping the experience on the client side simple.

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Final Outcome

Referral and Rewards Ecosystem

Referrals and rewards form an important part of the VitalCard ecosystem. The platform tracks relationships between users across multiple referral levels and uses that data to calculate scores, rankings, and rewards. Instead of performing these calculations entirely inside application code, parts of the system were designed around optimized PostgreSQL queries and database views. This allowed complex datasets to be aggregated efficiently and made the results available to other parts of the product. Scheduled background processes keep these calculations up to date as new users, transactions, and referral activity enter the system. The result is a dynamic system where user activity can be transformed into measurable progress, rewards, and engagement within the platform.