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Challenge
Umoja was preparing for expansion into multiple global markets. The mission was ambitious: build a secure, accessible payment gateway while developing a decentralised credit platform capable of attracting investors worldwide. The roadmap existed, but timelines had tightened. The platform needed:
- a seamless payment system for global investor participation
- a decentralised credit engine to onboard MSMEs
- infrastructure to complete the “last mile” of a global payment ecosystem
- a faster, more reliable development cycle
Umoja needed a team that could bring stability and speed to its engineering to reach the next milestone.
Client Review
At Umoja, we simplified and accelerated credit transactions by creating web and mobile applications with Innovify's help. Our collaboration led to a successful pilot in African markets, impressing us with their fast delivery.Robby Greenfield
Key Objectives
- Build a secure, user-friendly global payment gateway
- Develop a decentralised credit platform for MSMEs
- Strengthen the underlying payment ecosystem for cross-border transactions
- Minimise bugs, delays and process inefficiencies
- Accelerate delivery cycles for faster market expansion
- Maintain a customer-focused UX across web and mobile
Solution
Innovify deployed a senior engineering team to accelerate delivery and build a resilient payment and credit platform.
- Identified technical gaps, bottlenecks and process inefficiencies
- Engineered web and mobile applications to strengthen payment flows
- Implemented rigorous QA processes to reduce bugs and increase reliability
- Built customer-focused interfaces optimised for investor and MSME onboarding
- Enhanced backend and frontend systems with secure processing logic
- Supported global payment pathways for African and Latin American markets
The technology stack included Node.js, Python, React and React Native, chosen for scalability and fast iteration.
The team worked alongside Umoja’s internal engineers to complete a major pilot rollout in Africa, a key milestone toward global expansion.
Results
- Successful pilot deployment in African markets
- Foundation established for expansion into global regions
- Improved quality, fewer bugs and streamlined processes
- Faster product releases from a team that scaled with the roadmap
- Strengthened DeFi payment and credit infrastructure for MSMEs
Innovify builds payment and credit platforms for fintechs and emerging-market lenders. Explore our embedded finance and digital wallet work, or talk to our team about your own platform.
