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.
E-commerce
We help e-commerce businesses scale sales and operations using AI, data, and custom digital platforms.
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.
E-commerce
We help e-commerce businesses scale sales and operations using AI, data, and custom digital platforms.
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
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
Approach
We delivered the full discovery and development lifecycle across product, design, and engineering:
Discovery Phase
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.
Architecture & Engineering
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.
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
BNPL Product Architecture
A complete financing and repayment model designed specifically for local markets.
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.
Successful End-to-End Delivery
From strategic discovery to a clean, production-ready implementation.