.png){kind=icon}
.png){kind=icon}
.png){kind=icon}
.png)
.png)
.png)
“At Nexilo, we believe every business deserves the power of AI—whether you're just starting or scaling fast. My team and I are here to support your vision and help you move forward with confidence.”
Challenge
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
- Landbay entered a competitive fintech landscape without an internal engineering team and no prior MVP development experience.
- The business needed a high-quality MVP to unlock its next funding round.
- Timelines were tight and expectations were high.
- Once funded, Landbay had to scale fast, modernise its platform and begin building an internal team.
- Midway through this journey the company gained the opportunity to launch the UK’s first Innovative Finance ISA.
- The window to deliver was only one month, while the existing roadmap remained fully loaded.
- To succeed Landbay required a product first engineering partner capable of delivering a cloud native, FCA compliant platform under extreme time pressure.
Key Objectives
- Launch an investor ready MVP to secure the next funding round
- Define a scalable architecture with clear pathways for internal team expansion
- Stand up a dedicated delivery pod for new product lines
- Redesign and enhance core lending workflows
- Ensure full FCA compliant development across every feature
- Deliver the UK’s first Innovative Finance ISA within one month
- Manage third party integrations with predictable performance and low latency
Solution
Innovify embedded a product engineering team to design and deliver an enterprise grade MVP built for future scale.
The consulting approach was simple. Build fast, build right and build with clarity.
Key elements of execution:
- API first architecture for modular growth
- Cloud native infrastructure for performance, reliability and scalability
- CI/CD pipelines enabling rapid iteration and continuous testing
- Compliance by design across data pipelines, investor flows and mortgage underwriting
- Extreme programming practices to maintain quality under compressed timelines
- Transparent delivery rituals ensuring investors and stakeholders stayed aligned
- A roadmap that supported both platform expansion and internal team onboarding
This model enabled Landbay to scale its fintech platform while accelerating digital transformation across its buy to let mortgage products.
Results
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
Innovify delivered the MVP on schedule, enabling Landbay to secure significant investment and move directly into scale-up mode.
The long-term partnership produced measurable impact.
Key outcomes included:
- Investor ready MVP delivered at speed, unlocking critical funding
- Full digital platform shipped with improved workflows and domain level accuracy
- Scalable architecture implemented to support rapid product expansion
- Integrated internal engineering teams for sustainable in-house growth
- Updated platform launched on time with stronger performance and reliability
- Successful delivery of the UK’s first Innovative Finance ISA within one month
- Compliance ready systems that passed FCA expectations from the start
Landbay emerged as a leading fintech platform in the peer-to-peer lending and buy to let mortgage market, strengthened by robust product engineering services and a future proof technology foundation.
