Innovative approach for the debt industry

Enhancing debtors' and creditors' experience through seamless communication and settlement

mobile exaples



Technology stack:

.Net Core 5
React JS


The Debt Tool is a user-friendly smartphone app and web service designed to help Debtors and Creditors settle their debts in a simple, secure, and engaging manner. Whether accessed through its iOS, Android, or web applications, The Debt Tool provides Debtors with a consistent and easy-to-use interface, ensuring a seamless user experience.


Divectors has been contracted to create a comprehensive solution for the debt industry, streamlining the handling of private debts through an intuitive app and web application that facilitates communication between Debtors and Creditors. Our user-friendly platform guides users through every step of the process, ensuring hassle-free and effective communication between parties.

The first phase of the project is focused on delivering a fully functional prototype, which will showcase the product's look and feel, as well as demonstrate the entire debt settlement workflow from both the Debtor and Creditor's perspectives. The prototype will provide a tangible representation of the solution's capabilities and serve as a foundation for future development efforts.

Scope of work

  • iOS application that provides a full flow of registering and handling the debt for the Debtor user. The system offers registration, ability to register debts, run system calculation to determine the offer that has the highest probability to get acceptance by the Creditor. Throughout the flow the user is able to track several Debts statuses. User also receives relevant system notifications on Debts processing progress and payments reminders.

  • Web application for the Creditor company that provides a full flow on handling Debtor offers and in similar way tracks the status on Debts Repayment progress, analytics per received offered, accepted or rejected offers and active deals with payments in progress, completed deals.


Divectors had two primary goals at the start of the implementation phase - build the mobile app for debtors and web application for the creditor company. Facing that task we were seeking for tools that would cater to our needs across iOS, Android and web environments and speed up mobile and web applications development.

Before starting the implementation of the solution, we analyzed all the available options and decided that consolidation of the technology stack for mobile and web applications development would bring us loads of benefits and speed up application development. We stopped our choice on React, React Native, dotnet core and Firebase infrastructure. React Native is an open-source framework developed by Facebook that allows JavaScript developers to create familiar React components that work across web, Android, and iOS development environments. Beside sharing core library and architectural principles between React and React Native, we can also leverage using all the tools, utilities and libraries for both web and mobile applications. The main benefit of React Native is that any developer familiar with modern JavaScript and React can develop both apps - web and mobile, moreover, fewer specialists are needed for maintenance.

Additionally, since JavaScript is easily transferable, more application components and utilities can be used for multiple platforms. That way we were able to share architecture and toolset for mobile and web platforms, we used the same state management container and data models (Redux + Rematch), network communication layer (built on top of Axios) other libraries. With a clear understanding, there will undoubtedly be many standard components within the apps, we implemented web and mobile apps UI using UI Kits in the way that standard components follow our design language and could be shared across the apps.

Backend solution was built using .Net core, modern fast and cross-platform framework from Microsoft. Backend services communicate with each other using gRPC framework and RabbitMQ message broker. Entire solution is hosted in the Kubernetes cluster in GCP. It was designed with horizontal scalability and information security in mind. A lot of attention has been paid to monitoring and alerting functionality to guarantee that future application support teams will be well-informed about the current state of the application and will be able to respond quickly to issues that may occur.

mobile exaples


The main advantage of using React and React Native was the quick development process and platform versatility. By utilizing React Native, our team of engineers could work on both mobile and web applications, accelerating development and support efforts.

“They’re better than other companies I’ve worked with in the past. I would say that technology and development are their greatest skills.” Read more

CEO, FinTech Startup

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