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CONECTA PRO · FOUNDER CASE STUDY

From construction project to credit application.

Built a platform for financial institutions to guide borrowers from home-improvement plans to project budgets and structured credit applications, connecting construction intelligence, local pricing and credit data in one digital journey.

B2B2C · Embedded finance · Product strategy · Integrations

Partner & Head of Product · Jan 2024 – Jan 2025 · Latin America

Conecta construction project screen with a bathroom illustration and width and length inputs.

Financing starts before the loan application.

Before someone can finance a home improvement, they need to define the work, estimate materials and understand its cost. Financial institutions need that project information alongside applicant data and credit signals to evaluate the request.

BORROWER

A guided way to define a project, estimate its cost and request financing.

FINANCIAL INSTITUTION

Structured project and applicant information that fits its products, policies and underwriting process.

Turn a construction need into a structured application.

  1. DEFINE

    Select the improvement and capture project requirements.

  2. MEASURE

    Use dimensions to determine required materials and quantities.

  3. BUDGET

    Combine project requirements with local material pricing.

  4. APPLY

    Connect the project budget to financing and track the application.

Kitchen improvement choices including plumbing, flooring, walls, lighting and roofing.

01 — DEFINE

Select the improvements needed.

Detailed construction budget showing a bathroom illustration and a breakdown of floor-slab work.

02 — MEASURE

Review the project scope and required work.

Construction budget summary with material and labor costs and a total.

03 — BUDGET

Review the estimated project budget.

Application tracking screen showing the request under analysis and later approval, contract and disbursement stages.

04 — APPLICATION

Follow the application through institutional review.

Four inputs, one connected experience.

CONSTRUCTION INTELLIGENCE

Measurements, requirements and material quantities.

LOCAL RETAIL DATA

Material prices and project cost inputs.

CREDIT INFORMATION

Third-party credit data and risk signals.

FINANCIAL INSTITUTION

Available products, internal business intelligence and risk criteria.

CONECTA PRO

Project + budget + applicant information

  1. 01 PRELIMINARY ASSESSMENT

    Conceptual states: Recommend · Consider · Do not recommend.

  2. 02 STRUCTURED APPLICATION

    Project, budget and applicant information in one request.

  3. 03 FINANCIAL INSTITUTION REVIEW

    The lender keeps the final credit decision.

Products and rules flow in from the institution; application information returns to it. Conceptual information flows, not a description of specific APIs or infrastructure.

DECISION BOUNDARY

Conecta assembled the information and supported a preliminary recommendation. The financial institution retained the final credit decision.

Shared capabilities, different financial journeys.

Connecting the product, partners and institutional workflow.

PRODUCT DIRECTION

Shaping the end-to-end borrower journey around a real construction need.

INTEGRATION MODEL

Connecting construction intelligence, material pricing, credit data and institutional systems.

INSTITUTIONAL FIT

Aligning the experience with financial products, risk criteria and underwriting workflows.

Extending financial context into institutional workflows.

MiBolsillo explored how financial context could help people understand their finances and discover services. Conecta extended that thinking into guided journeys shaped around institutional products and processes. See the MiBolsillo case study.

START WITH THE CUSTOMER'S GOAL

Project planning creates the context for financing.

USE INTEGRATIONS TO REMOVE WORK

Turn measurements, prices and credit inputs into a structured application.

RESPECT DECISION BOUNDARIES

Support the institution's assessment while keeping the final decision with the lender.