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Evolving a Climate Fintech Lending Platform for Sustainable Home Improvements

Landmark digital transformation for a pioneer in clean energy financing.
"intive has been a strong talent partner for Mosaic and we value the durable relationship. Their technical talent has been instrumental in our platform transformation, and each team member brings valuable delivery to our product development".
David Dobbs
VP of Engineering – Mosaic

Overview

Mosaic formed a strategic partnership with intive to develop next-generation features, improve the platform's performance, and enhance its navigability. In addition, it was crucial to build a robust digital network, connecting a diverse ecosystem of homeowners, financial institutions, solar panel installers, distributors, and other key stakeholders.

Client

Founded in 2010, Mosaic is a leading US financing platform for sustainable home improvements. With deep, strategic partnerships and a network of thousands of contractors nationwide, they empower homeowners to unlock greater savings, resilience and value in their homes.

Services

End-to-end engagement covering Scrum Master, Frontend (React JS), and Backend (Scala/Java) development.
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The Challenge

Mosaic, a leading U.S. financing company for sustainable home improvements, needed to refine its operations platform to address the demands of its business expansion.  With significant growth potential, they sought to develop next-generation features, improve the platform's performance, and enhance its navigability.
In addition, it was crucial to build a robust digital network, connecting a diverse ecosystem of homeowners, financial institutions, solar panel installers, distributors, and other key stakeholders. To achieve these goals, Mosaic required an expert in fintech product development, leading them to establish a long-term strategic partnership with intive.
Our Solution

More than 20 intive engineers worked hand in hand with Mosaic’s team to deliver high-quality assets, evolve the platform’s architecture, and provide ongoing system maintenance.  We provided expert consultancy covering frontend and backend development, integration of external services, and implementation of critical business processes. Agile methodologies were introduced to enhance decision-making, and new technologies were proposed to drive improvements throughout all stages, from architecture design to implementation.

A monitor displaying Mosaic website highlighting the company's offerings.
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We advanced in transitioning the legacy monolith backend to a microservices architecture, supported by Kubernetes and AWS Lambda. This involved re-engineering critical software modules and using a project-based approach to data migration, ensuring each component was migrated in line with business needs.

In addition, we supported the development of a new frontend with React, based on a microfrontends architecture, using automated sanity tests with Playwright. This improved efficiency in the development, testing, and deployment processes for introducing new digital assets, with a focus on quality and user experience. As part of these features, key elements such as signing, authentication, and payments were delivered to further enhance platform functionality.

Detailed close-up of a graph featuring an upward arrow, indicating improvement.
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To streamline the financing application process, we improved Mosaic’s public API, enabling solar installers and home improvement contractors to easily help homeowners review their project financing options. This enhancement facilitated third-party integrations with external scoring engines, loan providers, and contractor partners, among other major players.

Impact

The partnership between intive and Mosaic has led to the creation of a flexible and reliable digital platform that has transformed the traditional one-on-one interaction model in the clean energy sector.  

From a production perspective, the adoption of a microservices architecture has allowed developers to quickly deploy, test, and upgrade each service individually.  

By facilitating third-party connections, the relaunch of the public API has allowed Mosaic to leverage various expansion opportunities. Additionally, this advancement has streamlined the financing process, which has benefited homeowners, solar installers, and the larger community as a whole.

Tailor-made solutions delivered by intive have enabled Mosaic’s business to expand much more rapidly. Since 2014 the Mosaic platform has facilitated over 500,000 sustainable home improvements. The continued collaboration between intive and Mosaic will support ongoing expansion and drive further clean energy adoption.
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