Amplifi Capital is a managed services business operating at the intersection of technology and finance, providing IT systems, operational frameworks, and investment strategy management to their clients. Through their My Community Finance brand, Amplifi Capital serves a dual purpose: facilitating loans for near-prime consumers and enabling asset managers to deploy investments into diversified, ethical lending products.

Amplifi Capital’s business model revolves around serving near-prime borrowers and facilitating investment in ethical lending - a model rendered challenging by the fragmented nature of the lending market in this space. Amplifi sought to create a single platform — leveraging a number of disparate ethical lenders including Credit Unions —to streamline these processes.

The organisation faced a multi-faceted challenge: building a technology platform capable of aggregating fragmented lending ecosystems while meeting stringent regulatory requirements. Whilst Their existing processes and technology stack were sufficient for initial launch, Amplifi wanted to scale rapidly and ensure they were sufficiently scalable, quick and compliant to their … insufficient to deliver the speed, scalability, and compliance necessary to meet their ambitious goals.

Further, an overall Service model needed to be created: one that thoroughly aligned new technology to internal processes to optimise operational efficiencies.

• Overall, points to improve were noted as: A dispersed tech stack that combined a fragmented internal system and information gaps with external development teams.
• Lengthy application-to-disbursement timelines.
• Challenges in meeting Financial Conduct Authority (FCA) standards.
• Gaps in internal staffing, exacerbated by a lack of product-focused expertise.

Amplifi Capital turned to Daedalus for a comprehensive solution to define and architect  a scalable, modern platform; lead the external resources to build said platform; navigate regulatory hurdles, all while optimising operational efficiencies. 

Daedalus approached Amplifi Capital’s challenges with a structured, multi-phase methodology:

• Understanding the Ecosystem: Our background, experience and expertise with the highly-regulated UK FS sector enabled us to quickly understand the legislative environment within which Amplifi operated; we augmented this understanding through extensive stakeholder interviews, process analysis, and by mapping out the fragmented credit union and ethical lending landscape.
• Navigating Regulation: Based on previous experience working alongside the regulator we were able to collaborate closely with them in order to define the solutions we were creating for Amplifi and ensure that they would be both effective and entirely-compliant. 
• Hybrid Technology Strategy: After evaluating Amplifi’s existing tech stack, we proposed a hybrid solution that blended proprietary systems with robust, off-the-shelf solutions. This reduced costs while retaining critical functionality and scalability.
• Process Optimization: By mapping internal workflows, we identified inefficiencies and redefined the architecture to enhance operational speed and reliability.‍
• Future-Proofing: We developed detailed documentation and role specifications to guide future hires, ensuring that Amplifi could sustain and scale the systems independently.