70% Coverage and strengthened compliance for Lending USA
PerfectQA helped LendingUSA increase test coverage, strengthen compliance, and improve release quality by building a structured QA workflow tailored for fintech scale and reliability
70%
Feature Coverage
8+
Regression Cycles Executed
80%
Defect Reduction
Industry
Fintech
Platform
iOS, Android, Web
Tools
Google Sheets
Services
Functional Testing, Regression Testing, Compliance Validation, Cross-Platform QA
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<Key Takeaways/>
Created detailed test checklists and cases to validate all modules under strict compliance and integration requirements
Improved regression test velocity by structuring sprint-based execution and issue tracking
Supported security and compliance validation for fintech-specific requirements and edge cases
Facilitated active collaboration between QA, developers, and stakeholders through agile sprints and real-time updates
Reduced defect leakage by identifying edge-case failures early in the development cycle
Fintech precision, embedded lending scale
LendingUSA is a point-of-sale financing platform helping merchants offer consumer loans at checkout. It’s used in critical, high-trust moments—medical, pet, and funeral financing—where any glitch could damage credibility. Their proprietary platform handles real-time credit decisions, fraud detection, and compliance, requiring QA that’s not just fast but deeply thorough
Challenge
With thousands of merchants and over $1.3B in loans originated, LendingUSA needed a QA process that could
Adapt to evolving and incomplete requirements mid-sprint
Align communication across QA, devs, and stakeholders
Scale coverage without compromising quality under tight timelines
Validate functionality across web, mobile, and embedded platforms
Ensure compliance with fintech regulations and data protection standards
QA aligned to fintech velocity
PerfectQA introduced a structured approach to test planning, execution, and sprint review. Custom checklists covered merchant portals, customer apps, and back-end systems. Exploratory testing addressed regression gaps, while real-time issue tracking and active stakeholder syncs helped navigate shifting requirements
Solution
Implemented sprint-based testing aligned with dev velocity
Built traceable test cases covering core flows and integrations
Validated user journeys and edge cases with multi-device testing
Flagged and debugged integration breakpoints with staging parity
Delivered ongoing feedback to ensure secure, performant, and compliant releases
The PerfectQA team brought structure, consistency, and reliability to our testing process. Their detailed execution helped us deliver faster and with confidence—especially in a highly regulated space like ours
Manoj Mathew
Lending USA
Solved compliance uncertainty and accelerated lending delivery
Delivering measurable improvements in performance, reliability, and user trust, the outcome was a scalable QA workflow with real impact
Result
Validated 70% of features across modules including merchant onboarding, credit decisioning, and payment processing
Accelerated testing cycles for faster updates and delivery
Reduced production bugs, boosting trust and stability for end users
Enhanced UX responsiveness to ensure smoother borrowing experiences
Every product operates with different constraints, timelines, and risks. While the outcome here was achieved in a specific context, the approach is designed to adapt to varying architectures, team structures, and release cycles
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Published
Sep 8, 2025
Updated
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