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Wippy Pay's Payment Revolution


Established in 2018, Wippy Pay has emerged as an industry-leading, cloud-native fintech company, setting the pace with its innovative approach to the Buy Now Pay Later model within the automotive vertical. By diverging from traditional payment methods, Wippy Pay is reshaping how people conduct online and in-store transactions.

The company’s state-of-the-art platform transforms the payment experience by simplifying and securing every transaction. As a result, Wippy Pay has not only met the demands of the digital era but has also outpaced them, providing an unparalleled payment solution.

For customers, Wippy Pay facilitates a streamlined payment process, adding ease and efficiency that has become synonymous with the company’s name. On the other hand, business owners find in Wippy Pay an opportunity to optimize their operations, unlock new avenues for growth, and boost profitability.

Wippy Pay’s vision is to redefine financial transactions in the automotive industry by leveraging cutting-edge technology and disrupting traditional payment models. The company encapsulates a future-focused mindset, combining robust fintech solutions with a commitment to revolutionize how people pay online and in-store.

Wippy Pay's Payment Revolution

https://www.translucentcomputing.com/wp-content/uploads/2023/06/wippy-girl-drive.png

Established in 2018, Wippy Pay has emerged as an industry-leading, cloud-native fintech company, setting the pace with its innovative approach to the Buy Now Pay Later model within the automotive vertical. By diverging from traditional payment methods, Wippy Pay is reshaping how people conduct online and in-store transactions.

The company’s state-of-the-art platform transforms the payment experience by simplifying and securing every transaction. As a result, Wippy Pay has not only met the demands of the digital era but has also outpaced them, providing an unparalleled payment solution.

For customers, Wippy Pay facilitates a streamlined payment process, adding ease and efficiency that has become synonymous with the company’s name. On the other hand, business owners find in Wippy Pay an opportunity to optimize their operations, unlock new avenues for growth, and boost profitability.

Wippy Pay’s vision is to redefine financial transactions in the automotive industry by leveraging cutting-edge technology and disrupting traditional payment models. The company encapsulates a future-focused mindset, combining robust fintech solutions with a commitment to revolutionize how people pay online and in-store.

Overview

Industry-2

Industry

Automotive / Financial- BNPL
Companysize

Company size

50 to 100
Location

Location

Toronto – Ontario
Keystats

Key stats

  • • 100,000 transaction processed monthly
  • • Millions of dollars processed monthly
  • • Full observability implementation with TEKStack
  • • DevOps First Approach – IaC, CI/CD, Automation
ProjectAreas

Project Areas

  • • Cloud-Native Architecture
  • • DevOps & Observability
  • • Machine Learning
  • • Web and Mobile apps

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The Challenge

Building an Innovative Payment Platform Amid Market Dominance and Operational Complexities

Creating an industry-leading payment platform in a finance-dominated market presented Wippy Pay with significant hurdles. The team was tasked with driving innovation, solving complex issues, and standardizing their R&D approach, all with a lean team.
Other prominent challenges were incorporating automation into cloud workflows and the necessity for a strategic partner capable of managing infrastructure, orchestration, and development. These steps were needed to enable Wippy Pay to focus on rapid and efficient feature development while upholding its mission of delivering innovative solutions in the payment industry
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The Solution

New Industry-Leading Payment Platform (BNPL)
New Build | Cloud-Native App | DevOps Principals | AI Features
Cloud Native Architecture TEKStack Platform: DevOps, Observability and Kubernetes TEKProcess: Business Aglity
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Harnessing Cloud Native Architecture to Drive Innovation and Scalability in Wippy Pay's Platform

Adopting Cloud Native architecture became the transformative strategy for Wippy Pay. Beyond just a technical paradigm, Cloud Native served as an overarching philosophy that Translucent incorporated into its operations long before it became a recognized industry standard.

The Cloud Native approach leverages the advantages of on-demand delivery, global deployment, elasticity, and higher-level services. This strategy precipitates substantial improvements across multiple facets, including developer productivity, business agility, scalability, availability, utilization, and cost savings.

By harnessing the power of the cloud for their platform, Translucent took advantage of the extensive capabilities offered by existing cloud services. The cloud’s dynamic and elastic nature enabled the platform to scale dynamically and on demand, effectively responding to varying needs. This strategy resulted in a robust and efficient solution tailor-made to overcome Wippy Pay’s unique challenges.

Utilizing TEKStack Platform's Integrated Technologies to Shape Wippy Pay's Robust and Scalable Payment Solution

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The key strategy to address Wippy Pay’s challenges involved leveraging the TEKStack Platform’s DevOps, Observability, and Kubernetes capabilities.

DevOps, as facilitated by the TEKStack Platform, bridged the gap between development and operations. By integrating these traditionally siloed roles, the platform enabled Wippy Pay to enhance efficiency and communication, leading to faster iterations and improved software quality. In addition, Observability, another feature of the TEKStack Platform, was critical in understanding the system’s performance. By gaining insights into the system’s internal operations, Wippy Pay was able to proactively identify and rectify issues, optimize the system, and ensure a seamless user experience.

Incorporated within the TEKStack Platform, Kubernetes was invaluable in managing Wippy Pay’s cloud-based applications. This open-source system automated application deployment, scaling, and management, significantly accelerating the development cycle and boosting system reliability.

With the aid of the TEKStack Platform and its comprehensive integration of technologies – including Security, CI/CD, Observability, and atop Kubernetes – Wippy Pay effectively designed and launched a robust, scalable, and efficient payment platform. This accomplishment marked a successful response to the unique challenges they initially faced.

Driving Business Agility with the TEKProcess for Long-Term Success at Wippy Pay

Addressing Wippy Pay’s challenges, particularly enhancing business agility, hinged largely on the successful implementation of the TEKProcess. This proven methodology was instrumental in driving agility throughout Wippy Pay’s operations, streamlining processes, fostering collaboration, and accelerating decision-making – all critical elements for maintaining competitiveness in a rapidly evolving market.

The TEKProcess, a proven methodology, was instrumental in driving agility within Wippy Pay. It helped streamline operations, improve collaboration, and fast-track decision-making processes. This strategic alignment of processes allowed Wippy Pay to respond rapidly and effectively to market changes, giving them a competitive edge.

Implementing the TEKProcess boosted Wippy Pay’s adaptability, enabling them to pivot quickly based on market demands and customer needs. This increased flexibility and speed translated into improved service delivery, customer satisfaction, and business growth.

The TEKProcess bolstered Wippy Pay’s business agility and provided a strong foundation for sustained innovation and continuous improvement, effectively addressing the initial challenges and setting the stage for long-term success.
https://www.translucentcomputing.com/wp-content/uploads/2023/06/wippy-laptop.png
  • https://www.translucentcomputing.com/wp-content/uploads/2022/10/icon-Microservices.png

    Cloud Native Architecture

    Adopting Cloud Native architecture became the transformative strategy for Wippy Pay. Beyond just a technical paradigm, Cloud Native served as an overarching philosophy that Translucent incorporated into its operations long before it became a recognized industry standard.

    The Cloud Native approach leverages the advantages of on-demand delivery, global deployment, elasticity, and higher-level services. This strategy precipitates substantial improvements across multiple facets, including developer productivity, business agility, scalability, availability, utilization, and cost savings.

    By harnessing the power of the cloud for their platform, Translucent took advantage of the extensive capabilities offered by existing cloud services. The cloud’s dynamic and elastic nature enabled the platform to scale dynamically and on demand, effectively responding to varying needs. This strategy resulted in a robust and efficient solution tailor-made to overcome Wippy Pay’s unique challenges.
  • https://www.translucentcomputing.com/wp-content/uploads/2022/10/icon-DevOps.png

    TEKStack Platform: DevOps, Observability and Kubernetes

    The key strategy to address Wippy Pay’s challenges involved leveraging the TEKStack Platform’s DevOps, Observability, and Kubernetes capabilities.

    DevOps, as facilitated by the TEKStack Platform, bridged the gap between development and operations. By integrating these traditionally siloed roles, the platform enabled Wippy Pay to enhance efficiency and communication, leading to faster iterations and improved software quality. In addition, Observability, another feature of the TEKStack Platform, was critical in understanding the system’s performance. By gaining insights into the system’s internal operations, Wippy Pay was able to proactively identify and rectify issues, optimize the system, and ensure a seamless user experience.

    Incorporated within the TEKStack Platform, Kubernetes was invaluable in managing Wippy Pay’s cloud-based applications. This open-source system automated application deployment, scaling, and management, significantly accelerating the development cycle and boosting system reliability.

    With the aid of the TEKStack Platform and its comprehensive integration of technologies – including Security, CI/CD, Observability, and atop Kubernetes – Wippy Pay effectively designed and launched a robust, scalable, and efficient payment platform. This accomplishment marked a successful response to the unique challenges they initially faced.
  • https://www.translucentcomputing.com/wp-content/uploads/2022/10/icon-Monitoring.png

    TEKProcess: Business Aglity

    Addressing Wippy Pay’s challenges, particularly enhancing business agility, hinged largely on the successful implementation of the TEKProcess. This proven methodology was instrumental in driving agility throughout Wippy Pay’s operations, streamlining processes, fostering collaboration, and accelerating decision-making – all critical elements for maintaining competitiveness in a rapidly evolving market.

    The TEKProcess, a proven methodology, was instrumental in driving agility within Wippy Pay. It helped streamline operations, improve collaboration, and fast-track decision-making processes. This strategic alignment of processes allowed Wippy Pay to respond rapidly and effectively to market changes, giving them a competitive edge.

    Implementing the TEKProcess boosted Wippy Pay’s adaptability, enabling them to pivot quickly based on market demands and customer needs. This increased flexibility and speed translated into improved service delivery, customer satisfaction, and business growth.

    The TEKProcess bolstered Wippy Pay’s business agility and provided a strong foundation for sustained innovation and continuous improvement, effectively addressing the initial challenges and setting the stage for long-term success.
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Wippy Payment Platform

Revolutionizing Loan Processes
with the Wippy Pay Platform
Through successfully implementing the platform on top of the Google Cloud Platform (GCP), Translucent built a comprehensive solution for Wippy Pay, fostering connection and interaction between Customers, Retailers, Lenders, and Banks. The platform is built on a cloud-native micro-services-based architecture, utilizing state-of-the-art technologies for development and continuous monitoring. It revolutionizes the loan journey by enabling the smooth and efficient participation of three principal stakeholders: the Customer (Borrower), the Service Centre (Retailer), and the Reviewer (Lender). The Wippy Pay platform enhances operational efficiency through the following:

  1. Retailer Self-registration: Enabling Service Centres to register, receive approval, and become operational for borrowers in a matter of minutes.
  2. Customer Onboarding: Empowering customers to secure loan approval swiftly and from any location.
  3. Approvals and Reviews: Streamlining the loan application process by promptly notifying Wippy staff of actions or documents requiring their attention.
The platform also includes a system of checklists and automated communication initiated by platform events, ensuring that all stakeholders remain well-informed and proactive. Furthermore, the Wippy Pay system is designed to integrate seamlessly with various 3rd party APIs, enriching its functionality and interconnectedness.

Overall, the Wippy Pay platform, an innovative solution addressing the unique challenges of the fintech industry, elevates the customer experience by providing a seamless, efficient, and user-centric loan journey.

Wippy Pay: The easiest way to pay for auto upgrades & repairs

CBBEstimator

TEKStack Platform

EMPOWERING CLOUD-NATIVE, DATA-DRIVEN APPLICATIONS
WITH EXPERTISE IN KUBERNETES
The TEKStack Platform, bolstered by a skilled team of Kubernetes Certified Service Providers (KCSP), is powering Wippy Pay by driving data-driven application development to new heights. With over a decade of experience in cloud-native applications, DevOps, data engineering, chatbots, natural language processing, and machine learning, TEKStack provides finely-tuned tools and processes tailored for crafting cloud-native applications.

Seamlessly integrated with the Kubernetes framework, the TEKStack Platform introduces unmatched levels of efficiency, scalability, and performance. The platform adeptly addresses the sophisticated needs of modern data-driven applications, further solidifying Wippy Pay’s standing in the fintech industry and its commitment to delivering superior customer experiences.

Supported by open source and production-ready..

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TheResults

Success!

The journey of developing Wippy Pay’s platform was a testament to innovation, agility, and a determined pursuit of solutions that transform the user experience. This cutting-edge platform’s successful implementation has reshaped how Customers, Retailers, Lenders, and Banks interact and transact in the loan process.

Wippy Pay’s platform has addressed the immediate challenges at hand and established a strong foundation for continuous innovation and scalability. It is a shining example of how technology can disrupt traditional industries and create more efficient, user-friendly solutions.

This achievement is not just about Wippy Pay’s success. It’s a validation of the potential and promise of next-generation fintech solutions. And Wippy Pay, with its cloud-native platform, is leading the charge. A resounding success indeed!

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Letter of Reference

Eric Kaplan - COO

Wippy - GoTo Loans

Letter of Reference | Eric Kaplan - COO, Wippy - GoTo Loans

Building GoTo Loans Platform from a Vision:

Integrating banking, automotive, loan, mechanic and customer workflow data making the complex almost seem like magic. Keep up the great work!
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