FluxCap Financial Services — Technology Infrastructure
The technology infrastructure, the platform architecture and the data and AI stack underpinning FluxCap.
Section 11 · Business Plan
Technology Infrastructure
The technology infrastructure, the platform architecture and the data and AI stack underpinning FluxCap.
Architecture principles
- Cloud-native microservices on a tier-1 cloud provider with
in-country data residency for POPIA compliance; API-first design so
every internal capability is externalisable through
FluxEmbedded. - Event-driven loan management system (LMS) as the book of record:
origination, disbursement, collections and general ledger reconciled in
near-real time. - Model-ops discipline for FluxScore: versioned models,
champion–challenger testing, drift monitoring, and full decision
auditability to satisfy NCA affordability-assessment evidence
requirements. - Zero-trust security posture: encryption at rest and in transit,
tokenised PII, role-based access, independent annual penetration
testing.
Core platform components
| Layer | Components | Build / buy |
|---|---|---|
| Channels | Native mobile app, progressive web app, WhatsApp journey, USSD assist | Build (app) / configure (WhatsApp BSP) |
| Onboarding & KYC | Biometric liveness, digital ID verification (DHA/third-party), FICA screening | Buy + integrate |
| Decisioning | FluxScore ML models; bureau integration (TransUnion, Experian, XDS); open-banking transaction categorisation; affordability engine | Build (models) / buy (data rails) |
| Loan management | Origination, servicing, payment rails (DebiCheck, rapid payments), general ledger | Buy core + build extensions |
| Fraud & AML | Device fingerprinting, velocity rules, sanction/PEP screening, transaction monitoring | Buy + tune |
| Collections | Behavioural segmentation, omnichannel outreach, promise-to-pay automation, hardship workflows | Build orchestration on bought dialler/messaging |
| Data & analytics | Lakehouse, feature store, regulatory reporting (NCR Form 39/40), management information | Build |
Technology development absorbs R320 million of the
raise across the first three years, with total capex of R580
million over the plan amortised straight-line over four years. The
build-versus-buy posture is deliberately pragmatic: differentiation
lives in decisioning models, data and the wellness layer; commodity
capabilities (KYC, payments, dialler) are procured to compress
time-to-market to a nine-month pilot launch.
Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of FluxCap Financial Services (Pty) Ltd.