Mobile Lending Apps for Enova

CashNetUSA + OnDeck-on-Stripe Functionality

Client: Enova
Industry: Consumer & Small-Business Lending
Service: iOS & Android Mobile Development|Mobile API Development|Stripe API Integration|Cross-Functional Team Augmentation

Overview

Enova develops innovative financial-technology products and services for individuals and businesses. They engaged Sphere to develop their CashNetUSA mobile app and a second app exposing OnDeck application functionality to users inside Stripe.

Enova needed help building the CashNetUSA app for Android and iOS, plus a set of mobile APIs. On top of that, OnDeck (an Enova product) wanted to capitalize on a new offering: enabling Stripe users — new to OnDeck — to apply for small-business financing inside the OnDeck app on Stripe, check application status, and access account and active-funding details directly from the Stripe dashboard.

How We Solved It

Sphere sent a Senior iOS developer, Senior Android developer, and Project Manager to build the apps and develop the APIs, working collaboratively with Enova/OnDeck product owners to scope requirements. Once product requirements and estimates were validated, Sphere stood up the right development resources to execute. The team combined technical expertise with business knowledge to deliver end-to-end product features.

1. CashNetUSA Native iOS & Android
Built natively in Swift / Objective-C and Android SDK / Java 8, the CashNetUSA app lets users apply for a new loan or line of credit, make payments, and track loan status. The design features intuitive navigation, in-app push notifications via Push IO, a digital calendar, an FAQ section, a secure message center, and Fingerprint authentication.
2. Mobile API Layer
A purpose-built mobile API layer powered both apps consistently — JSON-based, automation-tested with Calabash, and instrumented with Adobe Analytics and Kissmetrics so Enova could analyze user actions and conversion funnels.
3. OnDeck Inside Stripe via Stripe API
The second app integrated OnDeck financing into the Stripe dashboard via the Stripe API — Stripe users new to OnDeck could apply for small-business funding, check application status, and manage active funding without leaving Stripe. Full-stack developers, an automation tester, and a technical lead / product owner were onboarded to deliver the functionality end-to-end.

Key Outcomes

Delivered Ahead of Schedule

The cross-functional team completed the project ahead of schedule, beating the planned timeline.

Delivered Under Budget

A focused stack and tight scoping kept the engagement under budget, freeing capital for the next iteration.

New Acquisition Channel for OnDeck

OnDeck financing became available to Stripe users without leaving the Stripe dashboard — opening a new acquisition channel for small-business lending.

Full Analytics & Engagement Stack

Adobe Analytics, Kissmetrics, Push IO, and Fingerprint authentication shipped with the apps, giving Enova the levers to analyze user actions and re-engage users.

The Results

The CashNetUSA app lets users apply for new loans or lines of credit, make payments, and track loan status, with intuitive navigation, in-app push notifications, a digital calendar, an FAQ, and a secure message center. Adobe Analytics is built in so Enova can analyze user actions. The team completed the project ahead of schedule and under budget — and unlocked a new acquisition channel for OnDeck through Stripe.

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Lee Ebreo

VP of Engineering at Credit Ninja

These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.

Selah Ben-Haim

VP of Engineering at Prominence Advisors

Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).

Ben Crawford

Senior Product Manager at Enova Financial

I would expect to be delighted. It's been a really positive experience, working with Sphere, and I would expect you to have the same.

Mark Friedgan

CEO at CreditNinja

Sphere consistently prioritizes the needs of their clients, demonstrating both agility and teamwork. As an offshore team, they have been an integral part of our organization and we plan to continue growing with them.

René Pfitzner

Co-Founder at Experify

Sphere provided excellent full-stack development manpower to augment our team and help push our product forward. They are easy to work with, tech-savvy and proactive.

Bruce Burdick

Chief Information Officer at Integra Credit

We've been working with Sphere and its excellent consultants since our founding. I've found that they are true partners in the success of our business.

Jemal Swoboda

CEO at Dabble

The resources and developers that Sphere Software provides are skilled and have the required technical expertise, but more importantly, they have helped us build a culture of excellence within our team.

Arthur Tretyak

Founder and CEO at IntegraCredit

With Sphere, we were able to migrate in half the time it would take to train an additional FTE… and for a fraction of the cost. Our experience with Sphere has been exceptional.

Lee Ebreo

VP of Engineering at Credit Ninja

These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.

Selah Ben-Haim

VP of Engineering at Prominence Advisors