EasyTeller

customer portal page
credit card application page

Inspiration

There are a lot of obstacles to building credit, including bank inaccessibility and having alternative forms of income such as all in cash. Banks need to be able to see proof that individuals can prove trustworthiness without a definite credit history

What it does

We are making an app for people who have low access to physical banking services and want to start earning credit. The goal is to help people with low-income reporting abilities (such as those who are primarily paid in cash) to get credit estimates and approval for a credit card.

How we built it

We have a Svelte / TypeScript client that sends requests to a Python server hosted on FastAPI, and stores data in a MongoDB database. The Python server uses OpenCV to parse text out of the submitted images and the SambaNova Cloud API LLM to review the text and images to determine tentative validity of a document. The LLM compiles valid financial statements to compute a tentative credit score and a monthly credit limit. Each image sent by the user will be uploaded to a database, and each image will be tagged with a "valid" or "invalid" field to denote whether or not it was accepted or rejected by the CV, with a possible "reason" field. The credit score and credit limit will also be attached to bundle of pictures as a full credit application. Authorized users can review these applications and perform further fraud detection, and have the ultimate final say in the customer's acceptance or rejection.

Challenges we ran into

Auth0 took longer than expected to implement and we delayed a while on ideas because we weren't sure if this architecture was feasible for the solution we wanted.

Accomplishments that we're proud of

We developed a very complex app and are very excited to show it off.

What we learned

Because the tech stack was so wide, we really learned the importance of working together. Nobody was a master of this whole stack, so everyone got a piece of something new and we all had to rely on each other.

What's next for EasyTeller

More data transparency, there were some features such as displaying the originally submitted images in the application that we didn't get to, although the data itself is stored in embedded binary.