A Fully Automated Loan Application Funnel for Biddaro
From the first form field to a disbursed loan — identity and video KYC verification, Razorpay-powered fee collection, Firebase push notifications, and a 7-stage automated email follow-up sequence, all running live in production.
This system is live on biddaro.com — check it for yourselfA loan funnel with too many manual steps and too many drop-offs
Biddaro needed a loan application experience that could take an applicant from form submission to disbursal with minimal human intervention — without compromising on identity verification, compliance, or payment collection. The existing process relied on manual checks at almost every stage, and applicants who stalled simply disappeared with no structured way to bring them back.
Every additional manual touchpoint — checking a document, confirming a payment, deciding when to follow up — added delay and gave applicants another opportunity to abandon the process entirely.
Automate every stage, keep humans only where it counts
We built an end-to-end pipeline covering identity verification (PAN/Aadhaar e-KYC plus a live Video KYC step for V-CIP compliance), Razorpay-powered processing-fee collection with instant webhook-driven status updates, Firebase Cloud Messaging for real-time application status push notifications, and a 7-stage automated email sequence that re-engages applicants who stall at any point.
Every stage updates a single application status record, so the applicant, the support team, and the automation engine are always looking at the same source of truth — no spreadsheets, no manual status checks.
From application form to disbursal, fully tracked
How we built it
A single, multi-step application flow on web and mobile that writes to one application-status record, used as the source of truth for every downstream automation.
PAN/Aadhaar e-KYC lookups, liveness-check selfie capture, and a live video KYC interview step to satisfy regulatory identification requirements without a branch visit.
UPI, card, and netbanking checkout for the loan processing fee, with Razorpay webhooks updating the application status the instant a payment clears — no manual reconciliation.
Applicants receive an instant push notification at every key milestone — KYC verified, fee received, application approved, loan disbursed — without needing to check back manually.
A time-based sequence (Day 0, 1, 2, 3, 5, 7, 14) that nudges applicants who stall at any stage — KYC reminders, document checklists, payment reminders, and a final win-back offer for incomplete applications.
A funnel view tracking every applicant from "started" through KYC, payment, approval, and disbursal — so the Biddaro team can see exactly where in the funnel people drop off and why.
A funnel that runs itself, end to end
The system is live in production on Biddaro today — applications move from form submission through identity verification, payment, and approval without a person having to manually push any stage forward, while the 7-stage email sequence quietly recovers applicants who would otherwise have disappeared.
Because every stage is logged to a single status record, Biddaro's team finally has a clear, stage-by-stage view of the conversion funnel — exactly which step loses the most applicants, and which follow-up email actually brings them back.
Technology Used
Want a loan, KYC, or payment funnel that runs itself?
We build full conversion-focused automation for fintech and lending products — identity verification, payments, notifications, and follow-up, end to end.
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