Consumer lending core modernization in active development for a confidential Zurich-based credit provider. Reverse engineering and staged modernization of a 2016 low-code legacy system into native .NET architecture, featuring KREMO, Front CRM, Client Portal, nScale ECM, and ZEK/CRIF integrations, plus an AI Agentic Layer.
Client operated an obsolete low-code lending platform running since 2016. Due to severe component aging, vendor dead-ends, and the extreme complexity of implementing regulatory adjustments, the system became impossible to maintain, prompting a complete native rewrite.
Reverse-engineered 100% of legacy business logic, credit scoring rules, PMML scorecards, and KREMO formulas from the database. Re-architected a unified native .NET 10 / PostgreSQL core with automated state machine transitions, enterprise integrations (KREMO, ZEK/IKO, CRIF, Front CRM, Client Portal, nScale ECM), and dedicated AI agents for Onboarding, Underwriting, and Servicing.
Full-scale re-engineering of a Swiss consumer credit platform operating since 2016. Originally built on an inflexible low-code system, the legacy core eventually hit a dead end: inability to maintain outdated dependencies, prohibitive costs for modifying business rules, and severe architectural bloat. BrainySoftware reverse-engineered the entire business logic, KREMO affordability calculations, and PMML scorecards, architecting a unified native .NET 10 platform with deep integrations and an autonomous AI Agentic Layer.
Plan the First Delivery Milestone
Bring a product idea, a business workflow or a legacy constraint. You do not need a technical specification or an in-house engineering team to start. We will identify the first scoped milestone, delivery risks and the artefacts your team will own.
The new architecture eliminates vendor lock-in, restores agility, and introduces AI-assisted workplace automation:
Operating since 2016 on a legacy low-code platform, the system entered an architectural cul-de-sac: EOL dependencies, unmaintainability, and extreme cost of change:
Direct orchestration between the native .NET 10 core and verified Swiss financial infrastructure:
Specialized AI agents deployed across back-office workflows to drastically reduce operational personnel expenses:
A lean, auditable architecture built for long-term maintainability and strict Swiss FINMA regulatory scrutiny:
How specialized AI agents augment human operators across the lending lifecycle, orchestrated with Swiss financial registries:
