Jalan Technologies

A Techstar company based in Seattle wanted to create a credit card system in a way that benefits customers and changes the game for the finance world. They asked us to create a mobile app that acts as a financial tool for people and makes it easier to manage their money.

The client wanted an operating system that could help the masses in making the right decisions about their finances. The goal was to develop a financial brain as software, making it intelligent enough to guide the users in regulating their expenses without incurring huge debts. Our team built the platform from scratch. We created the backend system that powers the mobile app.

There was a list of objectives to be fulfilled by this product. The list included:

• Organizing money into Bills, Savings Goals and Spending
• Tracking and reserving money for bills
• Tracking and reserving money for investment fund goals
• Letting people spend the remainder of their monthly income on credit
• Letting people spend from investment funds, whenever need be
• Locking the card if there is an attempt to spend more than that
• Consistently autopays your credit bill.

The product was expected to have a scalable architecture, so, we used Node JS for its backend development and React for the front end as we aimed at providing the end users with a smooth experience while navigating through the app.

We constructed a Plaid-powered framework by integrating the same and used Mongo DB for database management. In order for the end users to receive alerts on their spending and remaining credits etc., our engineers employed Rabbit MQ.

The app needed sensitive information to give the most useful advice to its users, this is where data security came into focus.

To ensure the safety of the sensitive data, we used Very Good Security, which made it possible for us to be PCI and SOC2 compliant. Once all of this was done, the app was ready for the users to signup, feed their goals in and link it with their credit cards.

About the Client

We are working with Fannie Mae and Freddie Mac-approved, tech-enabled residential mortgage servicers that started in 2019. The company helps to service US-based home mortgages.

The company is a tech-first company and has reimagined the mortgage stack from the ground up and is able to significantly increase the servicing efficiency per loan with the help of technology.

Customer’s Mission

The team wants to build a technology to bring transparency to everyday people in the US and bring efficiency to the 100-year-old mortgage servicing industry. Its mission is to eliminate the industries inefficient practises that cause a lot of money to the homeowners and introduce modern solutions for a better approach to mortgages.

The idea is to build trust and gain efficiency by automating the processes. Being backed by some of the top investors and the founding team wanted to accelerate the development with the mindset to win the market.

JT’s Collaboration

JT’s collaboration started via the Google alumni network. JT has been their technology partner since the ideation stage of the product in 2019. We worked closely with their in-house engineering team to convert their vision into a world-class web-based application for borrowers and servicers.

Results

By bringing modern UX principles into the servicing platform, the platform has significantly improved the borrower’s
mortgage experience. We are also aiming to reduce mortgage servicing costs by up to 50% by vertically integrating the entire process with the help of the technology used. Approximately 20,000+ consumers and $6 billion in mortgages are being serviced on the platform by the 2021 year-end.

One of the biggest trading firms in Europe wanted to build automated trading applications based on a scalping strategy on the TBricks platform.

Background 

Scalping is one of the most common day trading strategies to prioritise making high volumes of small profits. But it requires a strict exit strategy to protect small gains against one large loss.

With that in mind, we built an automated trading application that places and exits orders from the market based on a defined model.

Solution

To execute the trading strategy, we built a set of applications to achieve:

• Automated order placement in the market to get good positions.
• Automated order placement in the market to scalp the market and book profit.
• Automated exit of orders from the market based on a defined model to protect against the big loss.

Result 

The application proved to be effective for specific instruments in a steady market.

Our client is trading in multiple segments of the trade market including ETFs. At the moment, traders used to trade ETFs through a banking partner - ABN AMRO. To put ETF orders in the market through the banking partner, they used to send the order instructions to the banking partner through email and SMS which was highly error-prone, time-consuming and had no real-time order updates.

To structure and automate sending of order instructions to the banking partner - the client wanted to build a web-based platform through which they can securely exchange the instructions and order updates with the banking partner.

With the help of our web-based application, Our client's team members are able to now directly place their ETF orders using our application to market through the banking partner.  It automates the order creation and cancelling part hence saving a lot of time and effort for the client. 

The client can check the detailed status of any order, the dashboard basically provides a timeline of all different statuses from order creation, approval and order confirmation. Clients can cancel any order by checking its real-time state and all the cancelling logs are also available to the client.  If any Order is rejected by the bank, clients have all the real-time details available to them and can place the order again after modifying the necessary details. Since there is a FIX connection between the client and the bank, all the transferred data is secure.

Founded in 2008, the client is an A+ rated leading solar company based in the USA. They offer customized solar solutions to residential owners, helping them to go green and taking charge of their personal energy consumption expenditures. Since 2016, JT has been a part of the team to automate their business processes - sales, finance, and others for a better customer experience. 

Using Technology For Quick And Accurate Sales Proposals Using Technology

The client was scaling their sales team, they needed the ability to generate accurate sales proposals consistently with detailed return on investment for their customers. After understanding the problem, we built a web-based solution that would download high-resolution rooftop imagery for a given house and using NREL's API, took the sunlight, and weather data into consideration. The system also integrated with utility data and using SAM's models in C++, built an accurate system that would predict the system production. 

Financing Solar Systems with Just a Click

Once the sales associate would convinced the customer to buy, the customer would often look for financing options. They wanted to see various financing options from multiple lenders. We integrated two leading solar financing banks into the workflow. Once the sales proposal was accepted by the customer, with a click of a button, the sales rep can initiate a credit check as well as a loan application for the solar system.

Easier Data Management and Navigation 

As the number of solar installations increased, we worked with the operations team as well. We built an async engine to sync all the data from the application to Zoho CRM as the operations team was largely on it.

Simplifying Sales Commission 

The team would spend an average of 1-2 days a week in order to calculate the sales commission for their sales, not to mention the custom commission calculations for various sales teams. 

The Core Problem

Our client had a very brilliant solution to build mobile application-controlled IoT devices which help customers to control, monitor and save their energy. But building sophisticated IoT-based energy management systems not only requires expertise with web-based applications but also handling embedded IoT devices.  

The Collaboration

Jalan Technologies became their technology partner in 2019 in the starting stage of their journey. Our team wanted to create an energy management platform/mobile app that gives the user

• Personalized Energy Analysis
• Infinite Coverage
• Non-disruptive Implementation
• Pinpoint Guidance
• Prompt Savings 

The combination of their expertise in hardware and ours in software development resulted in an advanced power strip that was engineered to capture 20,000 data points per hour. The users can connect, track and manage devices via the mobile application for ultimate control of their energy footprint. The easy-to-read commercial dashboard provides detailed, real-time analytics and projected savings.   

The application distinguishes the power strip from other power strips in the market. With the mobile app, the users can turn one device off or on, on the command which is not the case for other power strips. The app also allows the user to view data on how much energy they are using or losing on various electronics. 

As a company, we built the IoT system which communicated with the cloud server using the MQTT protocol. MQTT is a lightweight publish/subscribe messaging protocol designed for low-bandwidth, high latency, unreliable networks. MQTT’s features make it an excellent option for sending high volumes of sensor messages. 

The power strip would run a local MQTT server and send data every second upstream. The backend in RUST would also listen to this data using MQTT and store it as a time series in the database. This data is then surfaced using sockets in the mobile application using React Native. 

Utility industries are still struggling with the extraction & management of data and they are still storing the data manually. Some of the world’s largest companies use manually entered utility data to make energy decisions that are subject to human errors and are often inaccurate. Omnimetic automates the utility data extraction and removes the manual process that is time-consuming and inefficient. 

Use Cases

1. Energy Management

Omnimetic helps to streamline energy data management by collecting utility data for multiple accounts from different utility providers in minutes. When data is collected at the right time with fewer errors, the user can find the right opportunities to maximize cost and energy savings. 

2. Utility Account management

Just imagine a building manager operating multiple buildings at a time. Without any centralized platform, the authorized person will have to login into different platforms to manage the energy data. Utility data access options vary greatly by utility providers which can be time-consuming.   Automated utility data reduces the time spent collecting data from multiple providers. Omnimetic easily manages multiple utility accounts from multiple providers in one place. 

3. Solar

Utility data is an important factor for solar installation companies. With just a few lines of code, companies can integrate OmniConnect into sales quotation tools or the website. It will help users to connect their utility accounts and companies can collect accurate utility consumption data, billing details, customer identity, or service address for any connected utility account in a few minutes. 

4. Invoice Automation

Omnimetic automates invoice processing and allows all the invoices to get directly into the system. After connecting all the utility accounts through OmniConnect, the user can set up periodic monitoring  - daily, weekly or monthly and stay up-to-date by receiving notifications whenever there are new invoice data associated with linked accounts. 

Client goals
The company’s co-founder - Schlumberger and Shell alum got curious about data, analytics, and machine learning during the major downfall of oil prices in November 2014. It led him to ask questions about why it was happening and can it be predicted in a better way.
He wanted to simplify complex industrial knowledge that was easy to access. He and his colleagues have a long-term goal to create an ecosystem of workflows around the smart assistant so that everyone in an organization can ask the tough questions and get back the answers without any delay.

Problem - Manual and Slow Data Extraction
The smart assistant was using Natural Language Processing to integrate with multiple systems used by a company to unstructured data from documents, emails, and much more. The then-current version of the search engine had manual data extraction which was extremely time-consuming. They were using a third-party API to extract the financial data.

Our Collaboration
Our team has been a technology partner of the energy tech startup under the staff augmentation model since September 2020.

Results
Response time has been reduced drastically and the UI/UX is better in the new version. With the new infrastructure development, the user is now able to ask questions based on suggested, and typeahead questions. The user can also see financial information about his peers and compare them. And filter and sort responses on the basis of different tags.

A Cloud-Based Web Application To Seamlessly Run Dental Practices

Our Team has designed an application for the support team that helps to manage every administrative task that is needed to run a dental clinic from patient communication, data analytics, and vendor management to taxation workflows and much more.

Unlike many traditional applications, it also uses real-time GRPC bi-directional streaming to communicate with dental offices to cloud servers to provide real-time insights. The application supports various roles to ensure each person sees the right information on the platform.

The product is used by over 250 support staff at the company and maintains data of over 350GB over the last 4 years. We built a desktop application using Electron and React to sync millions of data points from all dental clinics to the cloud in order to drive key insights and operational statistics. The platform is created in such a way that one data entry is shared

Automation of Invoice Processing

The platform removes the manual work for the accounting team by automating invoice processing. We created a system that automatically extracts invoices from hundreds of emails from vendors. The application reads the emails and extracts the relevant information. This reduces a good deal of manual workload on the accounting team.

Payroll and Taxation System

The customer has a very complicated payroll system. The dentists are awarded incentives if they generate revenue over a certain amount. This incentive system can become overwhelming when one needs to monitor too many dentists. The system that we have created handles all these business processes models these payrolls and generates these payrolls accurately removing all the need for manual work.

Founder’s Mission

The Founder’s objective was to remove the language barrier for companies that have multiple outlets across the globe. To educate their staff in their native language, any enterprise had to hire a team. With the product in his mind, anyone could just outsource this service from a single platform. The organization can save itself from hiring a whole new team for standardization processes and create a similar experience universally for customers.

JT’s collaboration

They found us through the Google alumni network. ​ We were selected to develop the product design, write the code for the platform, test the services, and also brainstorm various user workflows.
Features of the platform:
1. User/Admin friendly

The web app was created to such a degree that no manual follow-ups, apps, or desktops are needed. Training Distribution is just a 3 step process for the admin

• Specify training groups and trainee mobile numbers to groups(1time activity),
• Upload-the-training-content,
• Assign-content-to-groups

The trainee is notified on the mobile messaging platform with a link. Once clicked, the trainee is taken to our servers for authentication and streaming of content. Training adoption is tracked in real-time with periodic-nudges-to trainees who are yet to complete their sessions. 

2.-Secure Streaming

Training videos are often confidential. This is how the web application ensures the secrecy of the content, Single sign-on and authentication for each training session. Twilio is used for OTP authentication. Content is hosted on AWS and streamed through Vimeo both of which provide some of the highest levels of security-in-the-industry- for-hosted-services.-,

3.-Localized Training

The web app supports voice-over and video captions for 100 of the world’s most popular languages. The client relies on services trusted by Fortune 500 companies to deliver content translation. 

The client was a startup led by engineers from MIT and Stanford who had a collective vision to promote regenerative grazing practices using technology.

They aimed at revolutionizing and digitizing the grazing landscape by replacing huge grazing charts hung on every rancher's wall with digital maps. Their idea was to provide ranchers with Grazing Management. The software would enable them to make profitable decisions and save a lot of time. Here is what they wanted to achieve through the software:

• Season forecasting and scenario planning
• Calculate stocking and carrying capacity
• Managing pastures and cattle in one place
• Tracking cattle moves, grazing periods, and rest days
• Evaluating pasture performance

Our team members travelled to the US every year and spent a week with the ranching community to understand the workflow better. We worked alongside the founding team to build technology that the users can easily adopt without going through a high learning curve.

We took over the entire AngularJS codebase, added hundreds of new test cases, integrated a number of new UI frameworks, and started with the development of many new and critical features.

We worked closely with UX designers, backend and mobile developers to ensure that everything was on track to make smart technical architectural decisions.

Given our experience helping startups, we were able to give input to help prioritize the work and consider the business impact as the primary goal.

About the Client

Founded in 2019, our customer is a fintech startup based in Washington, USA. They offer financial help services through an app for people to understand their current financial situation and also suggest recommendations to improve it. The app helps to beat credit card debt so the user can live financially free.

One of the unique value propositions of the product is the ability to compute the interest saved when debt is moved around appropriately among credit lines. 

Before the collaboration with our team, the client was in the ideation stage of the product. They were looking for a software development team to turn their ideas into reality. We collaborated with the team in 2019.

Our team created an app to give expert advice to break free from the bank’s high-interest credit card debt. The application suggests actions with your existing card data to help the user save on interest and reach their debt-free goal. On the basis of the plan the user selects, the app gives him a debt-free date and a customized plan. It gives a few easy hacks to pay the debt on time. The application also offers community inspo to stay on track. 

In personal dashboards, users can see insights on the debt-free date and a graph comparing debt pay-off plans. Alerts are sent through push notifications and emails for high-interest and low-interest credit cards every 14 days.

The app also rewards the customer with a coin based on their actions. A coin is an entry into the sweepstakes and an individual earns coins based on their actions.

The prize for each monthly sweepstakes is $ 4,500. The more coins a contestant has the greater the chance of winning.

Our team has completed the first version of an algorithm intended to compute the balances to move around and the savings on interest once this move is made, we’re done with the first version of an algorithm to order the cards by a ‘health score

Reviews are an important part of the buyer’s journey but having to look on multiple platforms can be a daunting task. And there’s no way to check the authenticity of the platform which leaves the buyer in a more confusing state. To avoid this, the Client wanted to provide friends and family with a simple, fun and collaborative peer-to-peer digital community where they can easily and privately share genuine brand, product and service experiences that add true value to their purchase decisions.

Jalan Technologies became their technology partner in 2021 in the starting stage of their journey. The client wanted to make a user-friendly social networking mobile application from the scratch and achieve the following:

●      To provide friends and family with a simple, fun, and collaborative peer-to-peer digital community where they can easily and privately share genuine brand, product and service experiences that add true value to their purchase decisions.

●      To share the joy of discovering new brands and experiences with authentic recommendations.

●      To turn to one trusted community for a genuine, ad-free, true take on brands and experiences. No more relying on online reviews from unknown sources or sifting through text messages!

●      To provide access to authentic experiences minted and shared by trusted friends and is available for reference whenever needed.

●      To include the brands one loves in their fam to stay up to date on new offerings and receive and share perks.

The combination of their expertise in consumer behaviours and ours in software development resulted in the application which one can join with their friends and family members and share valuable and trusted recommendations for places, products, or anything they like. The platform automatically connects two people in their community if they are present in each other phonebook contacts. The other person gets a notification if any contact joins the platform. 

Our client is rated Top 5 Solar installers in South Australia. They provide high-quality solar solutions to Adelaide and South Australia. Its mission is to empower all Australians to take independence and control of their rising energy costs and to help protect the environment.

Previously, there was a big amount of manual effort required from our Client’s team side in creating and sharing a custom quotation with a Prospect customer. This was a tedious process involving a series of calls.

Suppose if any Aussies are interested in installing a solar system in their house from our client’s company and would like to know the costing to make the decision, they must get in touch with the sales representative of the company and do the enquiry. Then the sales representative would ask them a bunch of questions as a procedure to build the solar quotation for them. After collecting the data (like average utility data, shade, azimuth etc.) from the customer, the Sales rep would need some more time to enter the details in their System Master excel sheet to calculate the total cost and make the final quote.

The client wanted to smoothen this process for themselves and their customers. They wanted to have a solution with which they can generate the solar quote tool for their customer in a fraction of a second. They basically wanted to automate this manual process.

The Solar quote portal enables solar buyers to get a customised quotation instantly, resulting in better decision-making rather than going through a series of calls with the sales representative. The portals also help our client in getting all the lead data to accelerate the deal closure process. The portal is a win-win solution for both our client and our client’s client.