Pocket Money — Investment Platform Case Study

The Challenge

Managing investor deposits in spreadsheets — at scale, it breaks.

The firm managed hundreds of client deposits across varying tenures, interest rates and maturity dates. Every statement was manual. Every withdrawal request landed in someone's inbox. Interest calculations were done in Excel. As the client base grew, the operational burden grew with it — and the error rate did too.

The brief was simple: build a platform that handles everything. Client onboarding, deposit management, automated interest calculations, statement generation and withdrawal workflows — all in one place, with two separate experiences: one for the investor, one for the operator.

✕ Manual interest calculations — done in Excel, prone to errorTime-consuming at scale, with no audit trail and no safeguard against formula mistakes as deposit volumes grew.
✕ No client visibility — investors had no self-service accessInvestors had no way to check their balance, view transactions or download statements without calling the office.
✕ Withdrawal requests via email — no tracking, no workflowRequests arrived in inboxes with no audit trail, no status visibility and no process to ensure timely action.
✕ Spreadsheet-based ledger — fragile and impossible to report fromThe ledger was not auditable, couldn't support regulatory reporting and broke under the weight of growing transaction volume.

Approach

Built once, maintained forever — because the code is clean.

Every architecture decision was made with a 5-year horizon in mind. CodeIgniter 4 for the backend — fast, stable, well-documented. Bootstrap for the UI — maintainable without a build step. Custom JavaScript where needed, no framework overhead. The result is a platform the client's team can extend themselves, or hand to any PHP developer without a steep learning curve.

Client portal

Investors log in with OTP 2FA and see their total portfolio value, active deposits, recent transactions and downloadable statements — all from any device.

Admin command centre

Full deposit lifecycle management. Create clients, open deposits, post interest credits, approve withdrawals, run reports and manage the ledger — all from a single dashboard.

Automated interest engine

Interest credits are calculated against each deposit's rate and tenure, posted as transactions and reflected in the client's balance automatically — eliminating the Excel workflow entirely.

Results

From spreadsheets to a platform that runs itself.

The platform launched on schedule. Within the first month, the operations team had processed over 200 deposits through the system, with zero manual interest calculations. Client satisfaction improved immediately — investors had visibility they'd never had before.

100%

Paperless

Every deposit, transaction and statement managed digitally from day one

2FA

Secure by default

OTP authentication for every login — client portal and admin panel both protected

0

Manual calculations

Interest credits calculated and posted automatically against each deposit's rate and tenure

9mo

Delivery

Full dual-portal platform designed, built, tested and deployed — on time and within scope

A bespoke investment platform that just works.

Managing investor deposits in spreadsheets — at scale, it breaks.

Two completely different users. Two completely different needs.

Built once, maintained forever — because the code is clean.

Client portal

Admin command centre

Automated interest engine

Every investor sees exactly what they need to.

From spreadsheets to a platform that runs itself.

Building a platform that needs to just work?

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