AI-Driven Credit Scoring Engine for Digital Lender
How webbutter.com replaced manual underwriting with a cloud-native scoring engine that reduced loan approval time from days to minutes while improving risk accuracy.
webbutter.com is a software services company that has designed, built and scaled 100+ production-grade systems across FinTech & Lending, HealthTech & HIPAA, Hospitality & F&B, Retail, E-commerce, Manufacturing, Event Management, AI and more. Explore real project stories, architectures and market trends — from first commit to ROI.
How webbutter.com replaced manual underwriting with a cloud-native scoring engine that reduced loan approval time from days to minutes while improving risk accuracy.
Building a Buy-Now-Pay-Later platform with real-time risk scoring, merchant dashboards and automated collections that plugged directly into existing e-commerce checkout flows.
From legacy on-prem EMR to a secure telehealth platform with e-prescriptions, video consults and audit-ready logging that passes HIPAA and regional compliance checks.
How we unified Bluetooth medical devices, secure messaging and care-pathway automation into a single platform that improved adherence and reduced readmissions.
Migrating spreadsheets to an AI-driven revenue management engine that optimizes room rates using occupancy, events, and competitor data across channels.
A single platform for in-store POS, online ordering, production scheduling (PSM) and GDS inventory sync, giving F&B operators a real-time view of every order and table.
From attendee registration to lead scanning and post-event analytics: building a white-label platform for global events teams and agencies.
Designing for 100k+ concurrent viewers with real-time chat, matchmaking and sponsor analytics, backed by autoscaling infrastructure.
Connecting legacy machines to a modern MES dashboard that tracks OEE, downtime and scrap in real time across multiple factories.
Using machine learning on sensor data to predict failures, schedule maintenance and reduce unplanned downtime for industrial clients.
Moving from monolithic cart to headless architecture with microservices, improving conversion, performance and experimentation speed.
Unifying online, in-store and app behavior into personalized recommendations that increased AOV and email click-through.
From stock-outs to real-time visibility: using RFID and mobile apps so staff can find any item in seconds across the network.
Designing a routing engine and driver app that reduced last-mile cost per drop while improving SLA compliance in urban areas.
Creating a modern OTA stack that connects to multiple GDS providers, handles FX, fraud checks and complex fare rules in one platform.
Using OCR and NLP to triage claims, detect anomalies and route work items to adjusters with confidence scores and full audit trails.
Multi-tenant LMS with adaptive testing, analytics for educators and secure content delivery across web and mobile apps.
A shared MLOps foundation for experimentation, deployment and monitoring of AI models across multiple business units and industries.
Aggregating logs, vulnerability scans and compliance evidence into a single view ready for SOC 2 and ISO audits.
Bringing ATS, HRIS and performance data into a single analytics layer that powers headcount planning and skills gap analysis.
A digital-only lender wanted to scale micro-loan offerings in emerging markets. Their legacy approval process was manual, spreadsheet heavy and dependent on traditional bureau scores. Approval times took 2-3 days and rejection rates were high for thin-file customers.
webbutter.com designed and delivered a cloud-native credit scoring engine with a streaming pipeline for ingesting alternative data sources. We implemented a feature store, a model registry and an API layer that exposes real-time scores directly into the lender’s origination platform.
FinTech lenders are moving towards explainable, data-rich scoring models that combine traditional and alternative data. Over the next 3-5 years, regulators will expect these models to be transparent and stress-tested. A modular scoring engine like this gives our client the flexibility to plug in new data sources (e.g., open banking, payroll APIs) and continuously optimize risk strategies.
A fast-growing BNPL startup partnered with mid-size e-commerce merchants across fashion, electronics and home goods. Their first MVP blended underwriting and collections logic directly in the checkout service, which became a bottleneck for expansion.
webbutter.com refactored the platform into a service-oriented architecture, creating dedicated services for risk scoring, repayment schedules and collections. We implemented merchant dashboards and a set of REST / webhook APIs that integrate into any e-commerce checkout.
The client reduced cart integration time from weeks to days, improved approval accuracy and lowered non-performing loans. BNPL is now moving towards tighter regulation and clearer disclosures, so having decoupled services and audit logs positions the client well for the next wave of compliance rules.
A regional healthcare group operating multiple clinics wanted to add telemedicine and remote consultations while keeping their existing on-prem EMR system. Any solution had to be fully compliant with HIPAA and local privacy regulations.
webbutter.com built a HIPAA-compliant telemedicine layer that sits between patients, providers and the EMR. We integrated secure video visits, doctor scheduling and e-prescriptions with a standards-based interoperability layer.
The clinics now support remote consults for primary care and follow-ups with minimal disruption to existing workflows. The broader HealthTech market is converging on API-first EMRs, telehealth and RPM. Our design ensures the client can plug into future partners (labs, pharmacies, payers) without re-platforming.
A chronic care management startup needed to connect multiple Bluetooth health devices (BP, glucose, pulse oximeters) to a single patient and clinician experience. They also had to meet RPM billing and documentation standards.
We implemented a device-agnostic data ingestion layer, mobile apps for patients, and a care team console. A rules engine flags out-of-range readings, triggers care pathways and logs encounters for reimbursement.
A group of boutique hotels relied on static rate sheets and manual channel updates. Revenue managers knew they were leaving money on the table during peak demand and discounting too aggressively in off seasons.
We delivered a Revenue Management System (RMS) that forecasts demand using booking pace, local events, competitor rates and historical data. The system pushes recommended prices back into the PMS and OTAs via APIs.
RevPAR increased significantly as rates adapted automatically to demand. Across hospitality, dynamic pricing is becoming a baseline expectation, especially with more complex channel mixes and brand portfolios. The client can now experiment with packages, upsells and loyalty rules on top of a stable RMS foundation.
A multi-brand F&B group ran separate systems for in-store POS, kitchen production, delivery apps and GDS-connected hotel outlets. They lacked a single source of truth for menus, pricing and stock.
webbutter.com created a central commerce backbone that manages menu items, combos and pricing logic and syncs to POS terminals, production scheduling (PSM) modules and third-party aggregators / GDS.
F&B operators are consolidating stacks into cloud-native, API-first platforms. Future roadmap includes AI-assisted menu engineering and waste reduction suggestions using historical PSM data.
An events agency wanted to replace a collection of point tools (forms, ticket widgets, badge printers) with a unified SaaS they could license to clients running conferences, expos and roadshows.
We built a multi-tenant event management platform covering registration, ticketing, check-in, badge printing, exhibitor portals and lead scanning. Everything is white-label ready with theme and domain controls.
The agency created a new recurring revenue line while standardising delivery. As hybrid and in-person events continue to evolve, platforms like this will integrate deeper with CRMs, marketing automation and streaming tools.
A media company needed to support global hybrid events with live streaming, chat and sponsor zones where brands can interact with attendees virtually.
webbutter.com engineered a scalable streaming & engagement layer using CDN-backed video, websockets for live chat and a micro-frontend architecture for sponsor booths. The platform handled six-figure concurrent users while keeping latency and costs under control.
Hybrid events will remain a core format, and this stack is ready for future additions like live translations, AI highlights and sentiment analytics.
An automotive components manufacturer had multiple plants with varying PLC brands and manual KPI tracking. Leadership wanted a consolidated view of OEE and downtime by line, shift and plant.
We deployed edge gateways that normalize machine signals, push metrics into a time-series database and visualize performance in a black-and-white operations dashboard with accent highlights for bottlenecks.
The client gained a live OEE view and data foundation for predictive maintenance (see next case). Industry 4.0 trends are pushing more manufacturers towards data lakes and AI-augmented decisions, with interoperability as a key success factor.
A heavy machinery rental company wanted to reduce unplanned failures in the field by using telemetry and historical maintenance data.
webbutter.com built a predictive maintenance platform that scores assets daily, flags high-risk units and suggests maintenance windows. Field technicians use a mobile app to see priority units and log interventions.
Unplanned downtime decreased, contracts improved and the client gained a data-driven selling point. Future roadmap includes dynamic pricing of rentals based on risk and utilization.
A lifestyle DTC brand outgrew a template-based e-commerce platform. Marketing wanted control over content and experiments, while engineering needed reliability and scalability.
We re-platformed to a headless commerce architecture: a storefront built with modern JS, a commerce engine as a separate service and integrations with payment gateways, tax, shipping and CDP tools.
Conversion improved due to faster pages and tailor-made checkout flows. Headless and composable commerce are becoming the default for brands who want speed, experimentation and omnichannel control.
An omnichannel retailer collected terabytes of click, purchase and email data but used only simple “most popular” widgets on product pages.
webbutter.com implemented an AI recommendation engine fed by a customer data platform (CDP). We rolled out widgets like “similar items”, “frequently bought together” and personalized homepages across web, app and email.
Average order value and recommendation click-through rates increased. Next step: integrate supply constraints and margin into the recommendation logic.
A fashion retailer struggled with inventory accuracy, especially during sales and seasonal changes.
We delivered an RFID-enabled inventory system with handheld readers, mobile apps and dashboards. Stock checks dropped from hours to minutes, and online-to-offline reservations became reliable.
A courier company needed to optimize last-mile routes across dense urban areas while respecting delivery windows and SLAs.
webbutter.com built a route optimization engine with driver mobile apps, live ETA updates and customer notifications. The system considers traffic, package priority and historical delivery times.
Cost per drop reduced and on-time delivery improved. Future enhancements include crowdsourced capacity and dynamic pricing by slot.
A regional Online Travel Agency (OTA) relied on a single GDS and a home-grown booking engine that struggled with complex fare rules and payment options.
We built a multi-GDS abstraction layer with a robust booking engine, price cache and payment orchestration that supports cards, wallets and BNPL. Black-and-white UIs keep focus on itinerary details with accent highlights for price and policy changes.
Time-to-market for new suppliers dropped, and the OTA can now negotiate better deals by offering more inventory. Travel tech is moving towards NDC and richer content, and this architecture is ready for it.
An insurance carrier wanted to reduce claim processing time and manual document review, while improving fraud detection.
We delivered a claims automation platform that uses OCR and NLP to extract data from claim forms, medical notes and invoices. A rules and ML layer routes claims to straight-through processing or additional review.
Average handling time decreased and fraud alerts improved. As regulators demand more transparency, we continue to enhance model explainability and audit trails.
An EdTech provider served schools in multiple regions with different curricula, assessment styles and grading schemes.
webbutter.com implemented a multi-tenant LMS with adaptive assessments, reporting dashboards and a flexible configuration layer for grading rules and terms.
The platform supports thousands of concurrent students with reliable performance. EdTech is shifting towards data-rich insights for teachers and parents, and this solution lays the foundation for learning analytics and AI-generated feedback.
A diversified group active in finance, retail and health had multiple siloed data science initiatives with duplicated work and inconsistent quality.
We built a central AI platform with a feature store, standardized pipelines and observability for models. Teams can reuse features, deploy models via APIs and monitor drift.
Time from idea to production models dropped dramatically. Over the next few years, MLOps maturity will be a differentiator for enterprises deploying AI responsibly.
A SaaS vendor preparing for SOC 2, ISO 27001 and enterprise sales needed a clearer view of security posture and compliance evidence.
webbutter.com created a security monitoring and compliance dashboard that aggregates logs, vulnerabilities, policy attestations and incident response metrics. Black-and-white visuals keep focus sharp, with accent highlights for urgent risks.
A global company with thousands of employees across regions wanted better visibility into headcount, skills and future workforce needs.
We delivered a talent analytics platform that connects ATS, HRIS and performance tools. HR leaders can model scenarios, track attrition risk and identify skills gaps.
Data-driven workforce planning reduced surprises and improved hiring prioritization. As skills-based organizations become the norm, analytics like this will power internal mobility and upskilling.