AI-Driven Loan Origination Platform

Project Overview

This project is an AI-Driven Loan Origination Platform built using Next.js, Tailwind CSS, NextAuth.js, and MongoDB. The platform is designed to streamline the loan application process in the BFSI (Banking, Financial Services, and Insurance) sector using Machine Learning models for loan approval predictions.

🏆 This project was built in the Ctrl + Alt + Hack hackathon at NSUT, hosted by SpaceCon, and developed within 24 hours.

Features

• 🔑 User Authentication with NextAuth.js (JWT)
• 📊 Data Visualization with React-Charts
• 💸 Income Tracking and Debt-to-Income Ratio Calculation
• 🔍 Credit Score Fetching and Display
• 🧠 Loan Approval Prediction using ML Model
• 🎯 Loan History Tracking
• 📝 Dynamic Onboarding Form with Multi-Step Flow

Tech Stack

Frontend

• Next.js 14 (React Framework)
• TypeScript (TSX)
• Tailwind CSS for UI Styling
• shadcn/ui for Modern UI Components
• Framer Motion for Animations
• React Charts for Data Visualizations

Backend

• MongoDB for Database
• Java Spring Boot for ML Model Hosting (via API)
• PyMongo for ML Database Interfacing
• NextAuth.js with JWT for Authentication

Folder Structure

├── pages
│   ├── api
│   │   └── auth
│   │       └── [...nextauth].ts   # NextAuth.js JWT Authentication API
│   ├── index.tsx                 # Landing Page
│   ├── dashboard.tsx             # Main Dashboard Page
│   └── onboarding.tsx            # Multi-step Onboarding Form
│
├── components
│   ├── Navbar.tsx               # Navigation Bar
│   ├── Sidebar.tsx              # Sidebar Menu
│   ├── Charts.tsx               # Charts Visualization Component
│   └── LoanCard.tsx             # Loan Application Card
│
├── styles                       # Tailwind Global Styles
└── utils                        # Utility Functions

Authentication Flow 🔑

• User logs in via NextAuth.js with JWT tokens.
• Session maintained globally using SessionProvider
• Protected Routes using useSession()
• JWT Token sent in headers for API requests

Data Visualization 📊

• React Charts library used for interactive data visualizations.
• Displays Income vs Debt comparison.
• Loan Approval Probability chart.
• Monthly Expense Breakdown.

Animations 🎯

• Page transitions & button animations with Framer Motion
• Smooth fade-in and slide effects.

How to Run Locally

Prerequisites

• Node.js
• MongoDB

Setup

git clone https://github.com/username/project.git
cd project
npm install

Environment Variables

Create a .env file in the root directory with the following:

NEXTAUTH_URL=http://localhost:3000
NEXTAUTH_SECRET=your_secret_key
MONGO_URI=mongodb://localhost:27017/spaceCon

Start Server

npm run dev

Future Scope 🔥

• AI Loan Recommendation System
• Credit Score Calculation
• Payment Reminders
• Loan Repayment Tracking

License

This project is licensed under the MIT License.