From Web to Mobile: Modernizing ACRA’s Fintech Credit Access

Executive Summary

Client: ACRA Credit Reporting CJSC

Industry: FinTech

Engagement: End-to-End Mobile Frontend Development

Country: Armenia

Project at a Glance

ACRA, Armenia’s main credit bureau, wanted to modernize how users access credit reports. Web-only access created friction and limited real-time insights. ACRA partnered with VOLO to develop a mobile app that would modernize how users access their credit reports, aiming to improve convenience, user experience, and real-time accessibility for its nationwide customer base. The result is a responsive, compliant, and intuitive mobile experience that strengthens user trust in ACRA.

About the Client

ACRA Credit Reporting CJSC is Armenia's first private credit bureau, founded in 2004 and cooperating with every bank and microfinance organization operating in the country. As the central source of nationwide credit information, ACRA sits at the core of Armenia's financial infrastructure, maintaining records of consumer payment patterns across all credit obligations and providing individuals, businessesACRA Credit Reporting CJSC is Armenia's first private credit bureau, founded in 2004 and cooperating with every bank and microfinance organization operating in the country. As the central source of nationwide credit information, ACRA sits at the core of Armenia's financial infrastructure, maintaining records of consumer payment patterns across all credit obligations and providing individuals, businesses, and lending institutions with the reports and scores that underpin borrowing, lending, and financial decision-making across the economy.

Our Engagement

Their platform was already the authoritative source of credit data in Armenia. ACRA needed
to close a critical gap in user accessibility; customers lacked a quick, secure way to check their credit history on the go. Without a mobile app, accessing reports was limited to desktop experiences, creating friction in moments that required instant financial insight. For a modern credit bureau, this capability was no longer optional; it was essential.

For individuals and businesses alike, delayed access to credit data means delayed decisions; missed loan windows, unresolved disputes, and blind spots in financial planning. That's why ACRA partnered with VOLO: fintech experience, a compliance-first approach, and a track record of delivering secure, user-facing products that people actually trust.

VOLO led the end-to-end development of the mobile frontend, collaborating closely with ACRA’s internal team, who handled the backend and API delivery. Our scope included:

Product and customer journey consultancy to align the app with real user needs and business goals
Project management with an Agile-compatible approach
Mobile development using Flutter technology
UX/UI design tailored to ACRA’s brand and user expectations
Manual QA testing for functionality, usability, and performance

Key features delivered:

Secure registration, login, and identity verification via KYC systems, PIN, and biometric options
On-demand credit report generation, viewing, and download;
Dispute submission and tracking;
In-app payments via credit card and payment systems;
Subscription-based alerts and SMS notifications; and full transaction history.

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The Impact

The app delivers secure, on-demand access
to credit reports, scores, and financial history directly from Armenia's official credit bureau. Real-time credit data in users' hands improves financial transparency, enables faster issue resolution, and strengthens trust in ACRA as
a modern, responsive credit authority. It also creates a scalable foundation for future
feature expansion.

Key Takeaways

Close coordination matters in fintech.

The project ran alongside ACRA's internal backend team with tight dependencies. Frequent alignment kept delivery on track without derailing either side. 