Smart & Secure Student Loan Taking Platform

Deutsche Bildung is a banking company from Germany that needed our support in building a web application for taking student loans.

TIMELINE: YEARS 4 MONTHS
COUNTRY: GERMANY
TEAM: 2 DEVS, 1 QA PART-TIME

About

Deutsche Bildung is a banking company from Germany that needed our support in building a web application for taking loans by students. Initially, we collaborated with Distology Studio until the end of 2022. From 2023 onwards, we became solely responsible for the project.

The main objectives were to enhance the online loan application experience, improve conversion rates, and assist students in managing their finances while preparing for their careers.

Our Role and Involvement

The existing loan application form was unintuitive
and led to high drop-off rates. It was challenging to fill out, and there were a few steps when students might drop out of the conversion funnel.

Our task was to develop a user-friendly, mobile-optimized form that simplified the application process. Additional responsibilities included:

Enabling students to track loan payments and manage finances.

Implementing an educational portal with career guidance resources.

Ensuring the platform was ultra-secure and GDPR-compliant.

Results

Our involvement expanded over time, proving our expertise and reliability.

As a result:

We successfully launched
a sophisticated loan application system on schedule

Now, students can easily apply for a loan by navigating through a user-friendly and visually appealing system of forms accessible on both desktop and mobile devices.

The new form, optimized
for desktop and mobile, significantly improved
the application process

The platform now receives dozens of loan requests weekly and has become a fully functional financial hub for students.

An automated reminder system was integrated
to prevent drop-offs

If a student starts filling out the form but doesn't complete it, they will receive an email notification
as a reminder.

Loan eligibility is now calculated dynamically based on field of study
and grades

Upon submitting the form, the system calculates their loan eligibility based on their field of study and grades. The contract versions differ depending on multiple variables. Once approved, the loan agreement is signed online.

Online contract signing
is facilitated through IDnow

To complete the contract signing process, users are required to download the IDnow app, where they meet with a consultant for verification. Then, users can track and manage their future payments
and view previously paid installments.

A career coaching portal offers articles, images, and videos to support students

After receiving a loan, students gain access
to the career counselling portal, where they can find supportive articles, images and videos.

The Process

Discovery

Our involvement in the project grew over time. We had a previous relationship with Squareball, that asked us for support with building this application. We started by creating a validated form and were soon engaged
in the whole project.

Design

The design was made by an external agency,
and as the UX was crucial for students to fill out
the form successfully, we needed to adjust it to make it more intuitive.

Development

We’ve built a user-friendly website that meets all
the requirements. Our impact leads to client’s success.

Frontend Development & User Experience

We developed the frontend solution within
a month and a half, ensuring a smooth and engaging user experience. The main challenge was creating an intuitive, mobile-friendly form system. We implemented:

  • Advanced Form Validation:

    Used Yup to handle extensive form fields efficiently, preventing data loss and ensuring high performance.
  • User-Friendly Interface:

    Designed to reduce complexity and increase form completion rates.
Automated Notifications & Communication

To prevent users from abandoning incomplete applications, we integrated an automated email notification system:

  • Customer.io Implementation:
    Enabled dynamic email campaigns, allowing
the client to modify templates and target users based on specific attributes.
  • Reminder Logic:

    Users receive alerts if they start but don’t complete the loan application.
Secure Identity Verification & Contract Signing

Given the financial nature of the platform, security was a top priority:

  • IDnow Integration:

    Ensures user identity verification via live consultant meetings before contract approval.
  • Online Agreement Signing:

    Contracts are generated dynamically, edited if needed, and finalized in a secure PDF format.
Passwordless Authentication & Security

To enhance security and user experience,
we developed a passwordless login system:

  • AWS Cognito Integration:

    Users access their accounts via secure email links instead of traditional passwords.
  • Cross-Browser Compatibility:
    Ensured seamless login from any device while maintaining GDPR compliance.
Content & Video Management

To allow flexible content updates,
we implemented:

  • Contentful CMS:

    Simplifies content management, enabling non-technical staff to update the portal easily.
  • MUX Video Integration:

    Supports a variety of video formats for educational materials and career resources.
Backend & Infrastructure Enhancements

We continuously optimized the platform’s backend for scalability and reliability:

  • AWS Migration:

    Transitioned from AWS Amplify to a more scalable infrastructure.
  • RDS Database Management:
    Integrated a shared database between our solution and the client’s legacy admin panel.
  • Admin Panel Upgrade:

    Redeveloped the client’s desktop-based administrative system into a web-based version
for improved usability.

Maintenance & Further Development

We continued refining the platform, adding new features, and enhancing user experience.

Let's win your market together!

Tell us more about
your application

Contact us to discuss your app idea and possibilities. We’ll advise you on the best solution and estimate the project. If you have any questions – we’ll provide you with answers.

Let's talk!

Schedule a call with Mark,
our Technical Solutions Manager

Write a message

mark.cameron@teacode.io

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