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保持敏捷,快速提供变革性的金融科技
Nimble

保持敏捷,快速提供变革性的金融科技

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

 

快速发展的金融科技行业

 

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.

 

前进的道路是通过合作而不是创造

 

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.

首先,也是最重要的, Nimble needed a partner with a proven track record and whose commitment to customer and delivery excellence matched our own. 在选择Thoughtworks, 威利斯人app找到了一个能带来灵活性的合作伙伴, capability and maturity to not only help us achieve our goals but was also committed to develop and nurture Nimble's nascent transformation into a product-oriented, 当代Fintech.
Jason Barry
Nimble首席数字和创新官

创造伟大的数字产品之旅

 

Critical to the launch of a successful digital product is having the right team to deliver the solution. Thoughtworks supported Nimble with growing their own capability for the future ongoing evolution of the product.

 

为Nimble的新产品制定一个共同的目标, Thoughtworks first facilitated an inception workshop with the leadership and product delivery team. 这有助于暴露理解上的差异, and develop a lightweight plan that could be updated as the project progressed and constraints were better understood. 

 

A ‘steel thread’ end-to-end approach was initially selected to ensure functionality exposed in the application integrated with the underlying services. However, this can create challenges when progress is not always easy to showcase and get feedback from stakeholders, so the team flexed between developing front-end interfaces and then integrating them. 

 

与许多合作伙伴集成和敏捷的新技术, 协调有效协作以按时交付的挑战是关键. 虽然是在理想的世界里, 所有服务都有文档化良好的api和测试环境, in reality, 它要求团队具有灵活性和适应性, making decisions quickly that allow progress which can be revisited later when partners are able to respond.

 

将机器学习应用于信贷

 

A key enabler of Nimble's brand promise of "Making Finance Faster" is the adoption and implementation of an industrialised Machine Learning capability. Understanding the complexities and concerns commonly associated with such endeavours, Thoughtworks worked with Nimble in the development of a Machine Learning Infrastructure which, 以可测量和可观察的方式, 开启快速实验周期的价值. 训练模型的迭代, validated and, 一旦被证明是更好的, promoted through Nimble's Continuous Delivery for Machine Learning (CD4ML) pipeline into production. 

 

第一个模型, ‘Olas’, 源自爱尔兰盖尔语,意为“知识”(Eolas), assists in the automated decisioning process driving efficiencies through Straight-Through Processing (STP), enabling Nimble to process loan applications at pace in Australia's changing economy. 这个项目计划, titled ‘Continuous Credit Intelligence (CCI)’ - started in late 2019 to support Nimble's AnyTime platform initiative - is ambitious and with a solid foundation in CD4ML, Nimble is confident of driving future customer and business value through the continued application and optimisation of machine learning.

 

引入“随时灵活”

 

七个月后,一个测试版 Nimble AnyTime was launched to an existing customer segment in order to further validate and optimise before releasing to its broader customer base. 该产品提供最高10美元的信用额度,000, 通过谷歌支付或Apple Pay钱包中的灵活虚拟卡访问, 在12个月内有固定数额的还款. Customers can now get loans approved and be ready to “tap and go” within minutes once they download the Nimble credit card app. The app links directly to the customer’s Nimble account making the approved funds available to spend on the spot.

灵活的随时用户界面的例子

The application and onboarding funnel features automated ID verification using a customer’s driver's licence, automatic categorisation of income and expenses from bank transaction integration to ensure serviceability, 以及对批准的信贷额度进行直接处理和决策.

 

What’s ahead

 

Nimble and Thoughtworks are currently exploring how to harness its credit decisioning machine learning capability and deliver it as a service for others in the fintech ecosystem.

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