About
Oze partnered with Dinarys to develop a digital lending ecosystem for microfinance institutions operating across African markets. The project involved rebuilding the platform architecture, integrating AI-assisted document processing, and implementing multi-tenant white-label functionality.
Challenge, approach, and impact
REBUILDING THE PLATFORM ARCHITECTURE
Redesigning critical frontend and backend foundations to establish a more scalable, maintainable, and extensible architecture capable of supporting long-term platform growth
BUILDING AN END-TO-END DIGITAL LENDING JOURNEY
Developing the complete borrower experience across dedicated customer and administrator portals — from product selection and loan application submission to document upload, underwriting, offer approval, and digital signature workflows
DEVELOPING A FLEXIBLE LOAN WORKFLOW SYSTEM
Building configurable lending workflows, dynamic form generation, customizable approval logic, and scalable product management functionality for different lending organizations
INTEGRATING AI-ASSISTED UNDERWRITING AND DOCUMENT ANALYSIS
Implementing asynchronous bank statement processing and AI-powered credit analysis workflows, including retry mechanisms, transaction review flows, and decision support tools for administrators
DEVELOPING MULTI-TENANT WHITE-LABEL FUNCTIONALITY
Creating a tenant-aware SaaS architecture with company-specific routing, customizable branding configuration, and dynamic theme generation, allowing financial institutions to quickly launch branded lending environments without additional development effort
How we built
Testimonials
Jane Vyshnova, CEO @ Dinarys GmbH
Dinarys GmbH
“The Oze project is a good example of what we mean when we talk about building products, not just writing code. We came in at an early stage, and inherited a platform with significant opportunities for improvement, and had to make hard architectural decisions under real delivery pressure. The team didn’t just ship features. Our developers thought deeply about how every decision would compound over time. The result is a platform that launched with 30+ loan products and is genuinely ready to scale. That kind of work is hard to do, and I’m proud of how the team handled it.“
Team structure
Client team
Petros D
Daily point of contact
Daily point of contact
The client stakeholders at Oze were working closely with the team at Dinarys GmbH
Agency team
1 x Frontend Developer
Production
1 x Backend Developer
Production
1 x Project Manager
Production