Kashable partnered with Alty to modernize its lending platform, reduce operational friction, and improve borrower conversion. By redesigning key user journeys, upgrading the frontend architecture, and introducing mobile access, the company created a more scalable experience for borrowers, employer partners, and internal teams.
Through the new notification feature, removing redundant processing and improving back-office throughput
Duplicate work elimination
Census tracking time decreased. Reducing manual workload and increasing operational responsiveness
-70%
The verification time reduction. Accelerating loan approval cycles
-70%
The human error reduction.
-95%
About the Client
Kashable is a U.S.-based lending platform that provides loans and microloans to help Americans improve their credit scores
A core differentiator is its direct partnerships with employers, who manage employee loan repayments through payroll deductions. Kashable also runs specialised programmes for veterans, retirees, and workforce-specific segments, making usability and trust critical to both customer adoption and employer confidence.
The Challenge
Without modernization, the platform risked sustained conversion leakage and compounding technical debt that would constrain future growth
ABA’s International Business Banking offer included multiple capabilities, but the value proposition was not sufficiently clear or localized for its primary audience: Cambodian SME owners.
This created structural acquisition risks. SME owners could misinterpret how the platform supports cross-border operations.
Friction in borrower and employer flows limited conversion and engagement
AngularJS constrained scalability and slowed the ability to evolve the product
Inconsistent experiences across web and mobile reduced accessibility for users
Time pressure to deliver improvements quickly while continuing operations
Increasing borrower conversion and overall engagement
Simplifying loan application and management across devices
Replacing a legacy framework with a scalable, future-ready foundation
Supporting continued growth without slowing delivery speed
Providing convenient mobile access for everyday loan management
Objective
Alty acted as a product and engineering partner with a clear mandate: Redesign the platform and modernize the frontend technology while introducing mobile access to improve usability and scalability.
Alty defined and led the transformation roadmap, consolidating product and engineering decisions into a single coordinated direction.
The web experience was redesigned to make loan application and management more intuitive
Switched programming language to support better performance and future scalability
Mobile access was prioritized to make everyday loan management more convenient
This approach addressed conversion and accessibility together rather than applying incremental fixes.
The Results
Modernized digital foundation improved scalability, enabling smoother performance and easier feature expansion
Borrower engagement and conversion increased through simpler web and mobile loan journeys
Duplicate work was eliminated through the new notification feature, removing redundant processing and improving back-office throughput.
Through the new notification feature, removing redundant processing and improving back-office throughput
Duplicate work elimination
Census tracking time decreased. Reducing manual workload and increasing operational responsiveness
-70%
The verification time reduction. Accelerating loan approval cycles
-70%
The human error reduction.
-95%
Key Takeaways
01
Operational accuracy improves when internal teams work inside a shared system, not separate tools
02
UX-led platform consolidation can reduce errors more effectively than process enforcement alone
03
Front-end modernisation enables scale by accelerating change without destabilising core systems
04
Multi-role design aligns marketplace participants around the same source of truth
