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Alvar Laigna
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FinTech Lending UX

Raha24

An early digital micro-lending portal where trust was the product — engineered through interactive transparency and frictionless data capture.

Role

Developer, CMA

Years

mid-2000s

Focus

Micro-lending UX

Raha24

Around 2007, digital micro-lending was still nascent and credibility was the real barrier to entry. Raha24, built at CMA, treated the interface itself as the trust signal — because in early fintech, it is.

Transparency you can touch

Interactive loan calculators gave borrowers a real-time preview of their obligations before committing, while strict back-end validation captured clean underwriting data and minimized manual review. The goal was to strip cognitive load from the borrower while securely capturing exactly what the lender needed.

Reducing friction for the borrower while protecting the lender’s data integrity remains a model for financial UX.