How the application flow works
The POC is designed to mirror a production-ready customer journey, while keeping the implementation simple enough to iterate quickly.
Step 1
Eligibility criteria
Simple questions (age, residency, employment) to filter clearly ineligible scenarios before collecting detailed data.
Step 2
Loan + personal details
Capture key PII and loan attributes, then call pricing and Equifax to return a personalised interest rate and pre-populate liabilities.
Step 3
Statement of capacity
Confirm income, expenses, liabilities and assets. The application JSON is then saved for decisioning and future re-entry.
POC scope
This prototype focuses on the front-end customer experience built with Next.js and Tailwind. It demonstrates how we can:
- Drive a structured, multi-step application flow.
- Generate a personalised rate using a backend pricing service.
- Leverage Equifax data to pre-fill liabilities.
- Persist the application as JSON for downstream decisioning.
Implementation notes
- Front-end: Next.js App Router + Tailwind CSS.
- APIs:
/api/quote(pricing + Equifax stub),/api/applications(save JSON). - Future work: integrate actual Equifax, pricing engine, IAM/Cognito, and Snow Leopard backend.
For internal review, contact Mark / product & credit stakeholders. This page is deliberately minimal and focused on the application journey.