Nimble, one of Australia’s first disruptive lenders, has a vision to make finance faster. 但在去年，这一愿景发生了重大转变, CEO, Gavin Slater has sought to transform the company out of short term lending into a truly customer-centric fintech.
转变从来都不容易, particularly at the speed needed to compete in Australia’s thriving fintech ecosystem. Thoughtworks partnered with Nimble over a seven month period to provide product delivery coordination and technical excellence to build a new credit product, Nimble AnyTime.
Speed和创新一直是Nimble战略的前沿. It was the first to bring to market paperless applications in 2009 and Straight-Through Processing (STP) in 2011. However, 和许多成功的创业公司一样, 没有积累技术债务，增长就不会到来, 阻碍了进一步创新和规模化的机会.
In parallel, in the last two years Australia has seen enormous fragmentation in financial services with the rise of specialist Loantechs, Fintechs和Neobanks. These new entrants have supercharged the industry offering customers convenience and speed to digitally engage and access services that are tailored for them. This has only amplified the increasing customer expectations set by other digital services that everything should be instant, 简单和个性化.
拥有强大的品牌, 客户基础和信用数据集, Nimble需要名符其实，反应迅速, 同时也确保为客户做了正确的事情. In 2019, the company set out to realise their vision to transition out of payday loans. Instead, Nimble将扩大其信贷决策专长, 并将新产品支点提供给近prime, 精通数字技术的客户受众, 谁对传统贷款机构不感兴趣.
为了快速行动，确保敏捷专注于核心业务, rather than trying to build and own the entire solution stack - a strategy that often mires large enterprises in years of fruitless delivery - they alternatively curated product and platform partners to collaborate with.
Nimble chose Mambu for its general ledger; Illion for bank feeds, eKYC and fraud/credit checking; EML for their credit card payments engine; SplitPayments for real-time payments gateway; AWS for cloud infrastructure. 举几个例子, 每一项都是通过权衡服务的适用性和实用性来选择的, 开发人员的经验, and modularity.
Differentiation would be provided through tightly integrating these services and delivering a seamless customer experience that lived up to Nimble’s brand promise.