Carmoney Project → PSB — Auto Loan Service for Dealers and Bank Staff

Challenge

Carmoney, a microfinance organization specializing in loans secured by vehicles, collaborates with banks, government services, and the Fast Payments System (SBP) to streamline and automate lending processes. Our team was tasked with developing a modern personal account for PSB bank employees and car dealers to simplify auto loan applications, integrate with Carmoney, PSB, Gosuslugi, and SBP systems, enable real-time operations, and scale to accommodate growing numbers of partners and applications.

Solution

We built a web application that enables employees and dealers to create and edit auto loan applications, including details about the vehicle, client, and dealer, with seamless submission to processing systems. By leveraging WebSockets through Centrifugo, users receive real-time notifications about application status changes, and the interface updates without requiring a page refresh. The application is tailored for two user groups: dealers verify data and add comments, while bank employees handle revisions and approvals.

The frontend, developed using Vue 3, Nuxt, TypeScript, and SCSS, delivers a user-friendly and responsive interface. The backend, built on PHP 8, Yii2, RabbitMQ, and Centrifugo, ensures reliable data processing and notifications. Integrations with Gosuslugi, SBP, PSB, and Carmoney’s internal services provide smooth interaction with external systems.

Results

The personal account significantly accelerates application processing and approvals. It serves as a convenient tool for dealers and bank staff, with real-time data updates eliminating operational delays. The flexible architecture supports scalability, allowing easy onboarding of new partners and banks.