Accelerating fintech disruptors: Enabling $0 to $26 million in value creation

In build-versus-buy conversations, SaaS solutions are winning as companies rush to digitize. But small and medium enterprises on both sides of the fence need to conserve or increase cash flow, driving a rise in fintech companies focused on making B2B transactions easier and faster to close. BNPL offers an interesting middle path, and this client decided to take it on - bringing Zemoso in to help productize the solution. That meant rapid design, build, and deployment of the platform's user experience, tangible ways for customers to experience it, and a BNPL flow that could plug directly into the sales cycle of any SaaS product.

Zemoso worked closely with the client's leadership team and facilitated a Google Ventures design sprint (a product sprint and a feature sprint). We equipped the client with an agile product pod to bring the founder’s vision to the right level of abstraction for quick validation cycles and to scale as needed to ensure early customer and investor wins.

• The design solution details:We prioritized the user flows that were essential for our client and enterprises to implement the BNPL solution. We used Atomic design principles and Material UI to deliver an easily extensible design system. We used Zeplin as a hand-off tool for designers to communicate effectively with developers and engineers, thereby speeding up front-end development and deployments.

• The engineering solutions details: Zemoso worked closely with the client’s layered architecture to design and implement a scalable front-end layer. The front end was developed using the React library with JS Storybook components to ensure speed during testing and modularity. We completed a Plaid integration on the front-end to ensure additional security for enterprises and their customers. To make the development cycle faster and ensure zero slippage on the timeline, the team created a low-level design (LLD) document and component-level C4 architecture elements. Every time we had new task requirements, we wrote a pseudo-code to define how it'd fit into the existing scaffolding. This helped proactively identify and mitigate potential roadblocks, and made the entire quality-check process much faster. It also allowed us to create accurate delivery timelines and ramp up the effort to meet milestone goals. The engineering team provided documentation around how client’s customers can integrate APIs with their existing platforms.

By pairing a Google Ventures design sprint with a well-documented, modular front-end architecture, Zemoso helped the client move from stealth mode to a validated MVP in months. This approach gave them an engineering foundation built to scale as adoption grows.