Consulting & AI Assessment
We assess your current digital and AI capabilities, identify high-value opportunities, and build a clear roadmap for responsible and effective AI adoption.
Learning Platforms
From UX and architecture to scalable backend and QA, we deliver robust platforms that improve your business results
AI & Data Products
We design and build deep-tech AI products — including intelligent tutors, learning analytics engines, recommendation systems, content-generation pipelines, and many more.
Quick AI Automation
Projects run in weeks, not months, helping your company to reduce manual work and boost efficiency without large budgets or complex IT transformations.
Fintech projects development
We support fintech startups, and investment firms in adopting secure, compliant AI and Digital payment solutions.
Education & Training
We help education institutions modernize learning and operations using AI, data, and digital platforms.
Industrial Manufacturing
We deliver digital tools that optimize production, and reduce operational waste. From MES enhancements to automation and real-time analytics
Consulting & AI Assessment
We assess your current digital and AI capabilities, identify high-value opportunities, and build a clear roadmap for responsible and effective AI adoption.
Learning Platforms
From UX and architecture to scalable backend and QA, we deliver robust platforms that improve your business results
AI & Data Products
We design and build deep-tech AI products — including intelligent tutors, learning analytics engines, recommendation systems, content-generation pipelines, and many more.
Quick AI Automation
Projects run in weeks, not months, helping your company to reduce manual work and boost efficiency without large budgets or complex IT transformations.
Fintech projects development
Through in-depth research and analysis, we identify opportunities for growth, target audience insights, and the most effective channels to reach them.
EdTech projects development
Through in-depth research and analysis, we identify opportunities for growth, target audience insights, and the most effective channels to reach them.
Industrial Manufacturing
We deliver digital tools that optimize production, and reduce operational waste. From MES enhancements to automation and real-time analytics
Development of
Get Now Pay Latter
Mobile Application
Get Now Pay Latter
Mobile Application
We guided the client through discovery and development process with weekly sprints and demos, delivering a full set of requirements, app design, architecture, and delivery of the app.
Introduction
La Riba approached us with the goal of creating a modern, “Get Now, Pay Later” solution. They needed a secure financial platform that would integrate merchants, customers, credit evaluation workflows, and repayment schedules without using traditional interest-based models. Our role was to take the product from an early-stage idea to a fully engineered BNPL application — including discovery, process design, architecture, and complete delivery.
Business Challenges
Limited knowledge transfer from existing vendor
Unclear functional scope
The client's team had no prior experience with a platform development
We delivered the full discovery and development lifecycle across product, design, and engineering:
Approach
1) Deep research into financial instruments and BNPL models.
2) Mapping all business processes (merchant onboarding, contracts, payment cycles).
3) Designing the full product concept and app structure.
4) Creating wireframes and UI/UX for customer and merchant interfaces.
5) Producing a complete product requirements document (PRD) and roadmap.
2) Mapping all business processes (merchant onboarding, contracts, payment cycles).
3) Designing the full product concept and app structure.
4) Creating wireframes and UI/UX for customer and merchant interfaces.
5) Producing a complete product requirements document (PRD) and roadmap.
1) Designing the system architecture for high scalability and payment integration.
2) Building secure backend services in Node.js (2 backend engineers).
3) Developing mobile apps in Flutter (2 frontend engineers).
4) Implementing contract generation, repayments, and notification flows.
5) Ensuring security, data integrity, and compliance with regional fintech guidelines.
2) Building secure backend services in Node.js (2 backend engineers).
3) Developing mobile apps in Flutter (2 frontend engineers).
4) Implementing contract generation, repayments, and notification flows.
5) Ensuring security, data integrity, and compliance with regional fintech guidelines.
Discovery Phase
Architecture & Engineering
Quality & Delivery
1) Continuous QA testing throughout development.
2) Weekly sprint reviews and roadmap tracking.
3) Close collaboration with the client’s legal and Sharia advisory teams.
5) Final delivery of a production-ready app with clean, documented backend and mobile code.
2) Weekly sprint reviews and roadmap tracking.
3) Close collaboration with the client’s legal and Sharia advisory teams.
5) Final delivery of a production-ready app with clean, documented backend and mobile code.
Results
Full Mobile App (iOS / Android)
A seamless customer experience from onboarding to final repayment.
Clear Roadmap & Delivery Plan
A structured MVP → Post-MVP roadmap aligned with business priorities.
BNPL Product Architecture
A complete financing and repayment model designed specifically for local markets.
Successful End-to-End Delivery
From strategic discovery to a clean, production-ready implementation.
Client Testimonial
I am satisfied with our collaboration with the Allgorithm team. The Discovery and Consulting project was delivered within the agreed timeframe and at the required quality. For this reason, we decided to continue working with the team and move forward to develop the mobile application. I hope that the next stages of our cooperation will be carried out at the same high level
Founder and CEO