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Since October 2005, Raiffeisen Bank Aval has been part of the banking group Raiffeisen Bank International AG, Austria. The bank offers a wide range of standard and modern banking services, which are used by more than 2.5 million clients.Raiffeisen Bank Aval remains the leader in terms of service quality in the Ukrainian banking sector. According to the company GfK-Ukraine, which specializes in market research, Raiffeisen Bank Aval's reputation exceeds the market average.

Credit scoring

The bank uses credit scoring to determine the creditworthiness of an individual, that is, to make a decision on granting a loan or refusing it. Credit rating affects many financial transactions, including mortgages, car loans, credit cards, and private loans. To do this, the bank must fully study the information about the client and make a decision.

Payment processing

Offers all types of money transfers and online payments for the best quality and fast service of private clients. Just a few clicks you can transfer from card to card to repay any type of loan or to pay for other services. By using payment services on-line, you are able to quickly and conveniently pay for goods or services by transfer of funds from the card Raiffeisen Bank Aval, and with cards of any Bank of Ukraine.

Credit monitoring

Credit Monitoring Services will notify you of changes to your credit reports so that you can take action against potential misuse of your personal information. The bank conducts a full check. The bank service keeps track of the borrower's loan, its history, and changes in it. This is what helps to avoid fraud.

Project Description

The platform was customized for this company. Development of a system for checking farmers, conducting consolidated financial statements, determining the initial verification of a group of companies. Our company has also developed a platform for determining the maximum funding limit, creating an investor's office to track customer requests and verify loan applications.



The company needed to build business logic on the basis of which the bank could obtain, verify and process information about the borrower, set funding limits while obtaining information about applications from any region. It was also necessary to enable the manager to enter the calculated class/rating of the borrower, which will be used to correctly calculate the limit.


The functionality was determined, which legal entities are included in the groups and the actual creation of customer groups, consolidation of financial statements of companies, will check the criteria of the bank, according to which the customer can be considered for lending by the bank. Development of a system that will calculate financial ratios and compare them with baseline indicators.


The logic was implemented on Frontend by JavaScript (data verification). Also, the processing of data and their storage in the database took place on the backend. SQL technology was used, a separate service for data extraction was created and data calculations on geocadastres were used.


The client received a platform on which it is possible to register farmers, to receive data extraction from Yourcontrol system, check on geocadastre. In the window of the group of companies, the user (borrower and investor) was given the opportunity to view the consolidated financial statements.

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Sumy City, Pervaya Zheleznodorognaya Steeet,1 Topaz Business Center Plaza, Ukraine
+3-8098-666-04-75, +3-8097-255-18-87

About Us

SimpleXoft is a Software Development and IT Consulting company with more than 4 years of experience in the market. We are 35+ people, distributed in our development centers in Ukraine: Kyiv (headquarter) and Sumy. We work for large international corporations throughout the EU and US in projects that demand leading-edge software development skills. We have been providing outsourced offshore services since 2017.




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