Zen Finans – Improving refinancing
with Appfarm and Yulieta by Innocode
Client:
Zen Finans
No-Code / Low Code Solution:
A custom-built platform enabling a seamless and automated loan application process.
Background
Zen Finans operates one of Norway’s largest refinancing websites, connecting customers with the best loan offers in the shortest time possible. To achieve this, they needed a scalable, automated solution that could handle bank integrations efficiently while ensuring a seamless user experience.
When Yulieta began working with Zen Finans, they already had a functional platform built with Appfarm. One key advantage of taking over a no-code solution was its visual nature, making it significantly easier to analyze and improve than traditional code-based systems. Additionally, because Zen Finans was actively involved in developing their platform, there was always internal expertise available, reducing vendor dependency.
Yulieta, in collaboration with Appfarm, worked closely with Zen Finans to optimize their platform, streamlining refinancing application processing and ensuring seamless scalability.
Challenges and Objectives
Zen Finans faced several key challenges:
- End-User Experience: Customers needed tailored refinancing offers from multiple banks almost immediately after submitting their application. This required direct integrations with banks and a structured form that aligned with their requirements.
- Agent Workflow: To scale operations, the platform had to automate the process so that complete applications could be processed without agent involvement.
- Bank Integrations: Each bank had its own API and integration method. Instead of building separate connections, a unified interface was required to simplify the handling of multiple banks.
- Platform Transition & Optimization: While Appfarm provided a strong foundation, Yulieta analyzed the entire tech stack to identify areas for improvement. This included removing costly dependencies and streamlining application processing.
- User Experience Enhancements: By integrating BankID and Vipps, we reduced the amount of manual data entry required, improving efficiency and the overall user experience.
No-Code / Low-Code as a Strategic Advantage
Zen Finans used Appfarm’s no-code platform, with the expertise of Yulieta, to continuously optimize and refine the platform. The flexibility of no-code allowed Yulieta by Inncode to make rapid iterations, test new features, and maintain adaptability—something that would have been far more costly and time-consuming with traditional development.
Partnering with Yulieta has empowered us to refine and enhance our platform without long and costly development cycles. Their expertise in no-code solutions has given us the flexibility and scalability needed to stay ahead in the refinancing market
Infrastructure & Automation
Beyond Appfarm, Yulieta implemented Google Cloud Platform (GCP) services, including Cloud Functions and Pub/Sub, to handle bank integrations. This allowed us to deploy services independently for each bank, eliminating the need for on-premise infrastructure and dedicated DevOps resources. By using this approach, we ensured scalability and reduced operational complexity.
Taking over an Appfarm solution is significantly easier compared to traditional development because of its visual nature. With no-code, we could quickly assess the entire stack, remove costly dependencies, and optimize the refinancing application process.
Appfarm was also used as an integration platform, connecting various components such as:
- Landing Pages in WordPress & Lead Generation
- Bank Integrations via GCP
- Mailing & Communication Services
- Call Center Systems
- Analytics & Performance Tracking
This pragmatic approach ensured that instead of relying on Appfarm for all functionalities, we strategically determined where external tools would provide better efficiency.
Key Results
- 50% reduction in development time compared to traditional software development.
- Significant cost savings, exceeding several million NOK within two years.
- Scalable and adaptable system, allowing for continuous improvement and long-term growth.
Conclusion
By embracing no-code and cloud-based automation, Zen Finans has built one of Norway’s most efficient refinancing marketplaces. The collaboration between Zen Finans, Yulieta, and Appfarm has resulted in a highly scalable, cost-effective, and user-friendly platform.
Working with Yulieta and Appfarm has allowed us to build a dynamic, scalable, and fully optimized refinancing platform. The ability to iterate and adapt in real-time has been a game-changer for our business.
