Berry partnered with Innvectra to build a secure, AI-powered digital lending platform that takes borrowers from application to approval in under 20 seconds — for people traditional credit scoring leaves out.
Registered Users
Loan Requests Processed
Loans Issued
Million Disbursed
Repayment Rate
Berry set out to build a lending platform for Kenyan borrowers with little or no credit history — one that could evaluate risk without traditional records, catch fraudulent applications automatically, and manage a loan from request to repayment, while scaling with a fast-growing user base.
Credit Scoring Without Credit History: AI-powered psychometric scoring evaluates borrowers who have no formal credit record, replacing a data source most lending platforms depend on.
Automated fraud checks had to run inside the same sub-20-second window as approval, without slowing the borrower down.
Onboarding, requests, approval, disbursement, and repayment all needed to live in a single system connecting borrowers, admins, and finance teams.
The architecture had to hold up as registrations and loan volume grew into the hundreds of thousands within months.
Business requirements are gathered using elicitation techniques like Brainstorming and Prototyping. User interfaces have been created to categorize the functionalities as per the business need. Each functionality is further drilled down into activities and tasks. A project plan is created for timely deliveries and to track change management. Entire process is managed and tracked through weekly status reports exchanged between all stakeholders for better management.
A psychometric scoring model evaluates borrowers without relying on traditional credit history, while automated fraud detection screens every application before it’s approved.
An Android application handles borrower registration and loan requests end-to-end, built for the sub-20-second processing time that defines the Berry experience.
A centralized portal gives operations, finance, and business teams a single place to manage the loan lifecycle, running on secure AWS cloud infrastructure with third-party service integrations.
How we built it
Innvectra gathered requirements and mapped the business need before design began.
Designed the platform architecture and user experience for borrowers, admins, and finance teams.
Built the Android app, admin portal, AI scoring engine, and fraud detection system.
Tested and deployed the platform on secure AWS cloud infrastructure.
Innvectra continues to support and enhance the platform as Berry scales.
| Category | Technology |
|---|---|
| Backend | Node.js, Python, Flask |
| Mobile | Android SDK, Java |
| Frontend | Vue.js, SCSS |
| Database | Node.js, Python, Flask |
| Cloud | Android SDK, Java |
registered users within 3 months of launch
million disbursed
loan repayment rate
loan requests processed
Loans issued
average loan processing time
“Innvectra has been a dependable technology partner throughout our journey. Their team consistently delivers quality work, responds quickly to challenges, and continues to support and improve our platform whenever needed.”
ICT & Project Manager, Berry
Whether it’s credit scoring, fraud detection, or a full loan lifecycle system, we’ve built it before. Let’s talk.
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