Reference stack
Add lending infrastructure
Originate, decision and service credit products with modern data and loan-management tooling.
LendersFintechsGlobal
Infrastructure layers
01
Decisioning & data
Credit decisioning and bureau/alternative data.
03
Loan management
Servicing and ledger for credit products.
Considerations
- Consumer credit is highly regulated and varies by jurisdiction.
- Model governance and explainability may be required by regulators.
Questions to ask providers
- Which credit activities require a lending licence?
- How are decisioning models governed and audited?
This stack is a reference architecture for research. It does not guarantee regulatory compliance or licensing approval, and specific provider combinations are not universally suitable. Confirm requirements for your product with each provider and qualified advisers.