Smart Pension

Kasia Kramnik

Smart Pension is a high-scaling fintech company that has inspired a new approach to pension systems in the UK and abroad. Once their concept of an auto enrolment product proved a huge success, the software team started growing exponentially. The only way to keep up the pace and quality was to hire developers externally and leave further recruitment to an experienced provider. Here’s how Smart Pension ensured quick growth and top software quality by joining forces with Code & Pepper.

About Smart Pension

Smart Pension is a perfect example of fintech revolution brought to the areas normally operated by state institutions and banks. The platform offers automatic pension schemes based on a defined contribution plan, handling the whole process through a digital platform. 


Smart Pension, a UK-based workplace pension platform, started as a product dedicated to their domestic market, but it proved to have the potential to conquer global markets. The new ambitions were followed by an increased demand for new employees – in 2019, the in-house development team growth exceeded 400%. At this pace, the company needed to find new sources of employees with appropriate skills to avoid compromising the product quality. 

Solutions for Smart Pension

“The fast fish eats the slow fish” – agile teams for fast-paced growth

In today’s business, the size doesn’t matter as much as the speed of development – even a small player can win with a big enterprise if it reacts quickly to the changing market. As a consequence, such companies need to find ways to optimise their performance and maintain high standards. One of the ways followed by Code & Pepper and cultivated in Smart Pension was agile team management with such elements as:

  • a dedicated product owner that stays in touch with the client’s team and is available for constant communication
  • project management based on Kanban, put together by a dedicated Agile lead supporting the teams in all locations
  • self-organising development teams working independently, but keeping each other up to date with their progress

Currently, the team built by Code & Pepper is working from two different locations (Warsaw, Kraków). They are fully synced with the core team in London, participating in online meetings on a regular basis.

Strict product requirements vs. customisation

As a fintech product, Smart Pension faces the necessity to comply with strict regulatory requirements. More importantly, the evolution from a UK-based workplace pension to a globally adaptable platform requires constructing features that are highly customisable. To resolve the two matters, team built by Code & Pepper in Poland worked hand in hand with Smart Pension engineers to create an advanced pension forecaster. It is based on complex conditions, which results in just the right level of flexibility to adapt the platform to different regulations.

Continuous deployment for irresistible code quality

Smart Pension has cultivated a strong developer community with high standards in terms of code quality and development process. There was no other way for Code & Pepper but find skilled developers and quality assurance specialists who would follow the client’s requirements including:

  • Clean code – universally compatible with previously developed branches and easily maintainable
  • Continuous deployment – the new branches are merged 20+ times a day
  • Focus on testing – the code features nearly 100% test coverage

Code & Pepper have been instrumental in helping us scale our Engineering Team.  
By building dedicated teams of Ruby Engineers for us they have helped us hire highly skilled engineers into our business.

Martin Warner, Head of Talent at Smart Pension

Technologies and solutions for Smart Pension


Code & Pepper Services for Smart Pension

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Flex Funding

Smart UX and UI design brought to life with Angular for profitable investing and lending

Copenhagen, Denmark
UI/UX Design, Web Development
Angular, Frontend


Pluto is a web application that makes travel insurance easy to understand, hassle-free, and more tailored to customers’ needs. In order to make a difference within the industry, the product has to distinguish itself from any other platform available – the UI needs to shine and a slick and fast UX is absolutely key to success. Code & Pepper took up the challenge to ensure Pluto delights users with its design and operates flawlessly in terms of development.

About Pluto

Pluto is a web application that makes travel insurance easy to understand, hassle-free, and more tailored to customers’ needs. In order to make a difference within the industry, the product has to distinguish itself from any other platform available. The brand and the UI really need to shine and a slick and fast UX is absolutely key to success.


When Code & Pepper initiated their talks with Pluto, the app development had already been started by other developers. However, after initial contact it turned out that Code & Pepper was able to deliver a product that exactly met the high demands of the industry. The mission was to design a web application that takes away the hardships of finding and buying the right travel insurance policy.

Solutions for Pluto

A practical and aesthetic approach to UI/UX Design

The team started off by studying the style guide and design library Pluto had created before engaging Code & Pepper. These basic elements were transformed into reusable components that could be applied across the web application. To ensure the components would function as expected, they were incorporated into the product development stage – customer journey, product flows, and mockup screens. This way, the whole structure and requirements of the product had been carefully studied and understood before the actual development process.

Focus on performance in front-end development

After designing the UI components and product flows, it was time to put them into work. A multiple-tool audit revealed a lot of room for improvement in the matter of performance. The initial page load could potentially impact business and lower the conversion. Code & Pepper have optimised several aspects of the app including lazy loading and GZIP compression (React, WebPack, JavaScript, Express, Heroku). We included React due to its outstanding efficiency in real-time data processing.

Integration with Starling Bank

Starling is one of the leading British digital banking services in the UK, providing its users with a special feature called Marketplace. In order to discover new user bases, it was decided to incorporate Pluto in the Insurance category. This way, clients can go to Pluto from Starling, buy a travel insurance and display the policy details in their account inside Starling Marketplace. The challenges in this part were related to the authentication process, which required several changes on the backend and frontend of the application.

I really value Code&Pepper for their proactive attitude, transparency, and detailed attention to security. The development team was always very helpful and open in explaining all technical matters.

Alex Rainey, CEO & founder at Pluto

Integration with Monzo Bank

The idea behind the integration with Monzo Bank was to create a separate service with Quote API – after sending a request with trip details, the user would receive information about the insurance price. The solution was created with Koa, TypeScript, Mongoose, JEST, integration and load tests using Artillery . The pricing engine, available in another service, needed to be coded from scratch as the existing one hadn’t been up to the quality standards Code & Pepper aims for.

Technologies and solutions for Pluto

payment Created with Sketch. Online payments
Open banking

Code & Pepper Services for Pluto

Developing your app can be an exciting journey

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Mission: redefine selling insurance online. Status? Accomplished!

St. Gallen, Switzerland
End-to-end Development, UI/UX Design, Web Development
Angular, Frontend, InsurTech


Developing software that can be safely used by legal and insurance industry requires understanding the level of responsibility behind the product and expertise in leading technologies. Code & Pepper contributed to the web development and design of Oathello, an exciting LawTech solution that is about to transform the business information exchange and decision-making processes as we know it.

About Oathello

Oathello is a digital document signing, execution and completion platform designed to accelerate the financial processes and data exchange. The solution enables the user to fill and deliver verified documents 100% online and self-serve. It reduces the delay associated to document certification from weeks to minutes! Acknowledged by Barclays Techstars Alumni and other respected financial partners, Oathello has a potential to redefine the reality of document flow in businesses and institutions. 


A self-service document completion, signing and verification tool was the vision Oathello founders headed for. However, they had to start with an MVP to prove their concept and attract investors for further development. The very first version of the product, created by Code & Pepper from scratch, involved limited functionality, but just enough to present the solution potential. We created an API-first solution that combined versatility and simplicity.

Solutions for Oathello

API-first development approach

When working on Oathello, we had to keep in mind that the tool is meant to integrate with other platforms. Instead of following the usual product-first development path, we chose the  API-first approach. Starting from the core mechanism behind the product resulted in a more developer-friendly structure, easier to integrate and adapt to different clients’ needs. From the business side of the story, producing API in the beginning was the perfect way to showcase Oathello’s functionalities and grab the attention of investors.

User experience = developer experience

It doesn’t happen often that the application’s user experience is designed for three parties: the business user, end user and developer. Oathello was different because its core concept is built around external platform integrations instead of a standalone product. An API-based structure helps developers work in a synchronous, efficient pattern and develop new services and features without risking an integration failure due to endless dependencies. The final result enables other platforms to build multi-level signing and witnessing procedures while the end user is guided through a clear and simple path. 

Code & Pepper provided an impressive level of service outside the original scope of requirements. At no additional charge, they proactively redesigned the product to enhance the final version. They took on the bulk of project management responsibilities and facilitated an open line of dialogue throughout.

Duncan Campbell, Head of Product at Oathello

Web interface

For starters, we focused on car insurance. The goal was to let the customer complete the accident report and car rental claim online, from start to finish. This process had to include digital signing with the possibility to prove that the signing took place. Apart from that, the platform should enable document tracking and recall. 

Document signing on mobile devices

Reading small-print documents on a smartphone is a struggle that all Oathello users would be facing. This required designing a fully independent mobile interface with a custom user flow.

Technologies and solutions for Oathello

ś API development
UI/UX design

Code & Pepper services for Oathello

It’s your time to turn the tables on the LawTech market

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Flex Funding

Smart UX and UI design brought to life with Angular for profitable investing and lending

Copenhagen, Denmark
UI/UX Design, Web Development
Angular, Frontend


Flink by Helvetia Insurance is a new generation of household and private liability InsurTech products that change the way of selling insurance on the Swiss market. The task for Code & Pepper was to create and implement a new UX/UI design to achieve the client’s strategic goals – higher conversion and application usage rates.

About Flink

Helvetia Insurance, an industry leader on the Swiss market, wanted to launch a new, revolutionary InsurTech product. The idea was to provide the simplest individual insurance policies for practically anyone’s belongings (MyThings) or potential damage the customer might accidentally cause to other people or their items (MyDamages). With only half a page of text and simple illustrations, Flink has the world’s shortest insurance contracts, and probably the simplest.


The first version of Flink was built by a local agency and released to the market. The team behind Flink consisted was responsible solely for business development, with no technical staff. The fast development of the live InsurTech product combined with a time-consuming recruitment of front-end (Angular) and back-end (Java) developers forced the company to look for professional help, which they found at Code & Pepper.

Solutions for Flink

Rapid team onboarding

Flink decided to hire an experienced agency that would be responsible for the development of InsurTech in the end-to-end model (design, front-end and back-end development), but at the same time working hard with their business team. Code & Pepper was a good fit as we provided a part-time UI/UX designer so that the requirements could be quickly and efficiently translated to interface design and the actual backlog on the programming side.

Hand-in-hand cooperation

After the Flink business team approved the application design, it was time for front-end and back-end developers to do their very best. Understanding the business logic and close cooperation with the client were key to help Helvetia Insurance establish product requirements and collect valuable insights about the customers and the market. 

External service integration for effective event tracking

To implement efficient user behaviour analytics, we decided to use Segment, a robust solution recommended by global companies like Atlassian and IBM. In order to measure insurance policy conversion rate and track key user behaviours inside the application, the events and properties were implemented according to a custom tracking plan.

We value Code & Pepper for the high quality of their work and for their positive attitude. Working in the team-to-team model meant that we all felt equally responsible for the product, solved problems more effectively and generated positive energy that stayed with us throughout the project.

Daniel Kunz, Chief Product Officer at Flink

Technologies and solutions for Flink

Segment_Logo_Icon_DarkNavy Segment
ś Service integration
Flexible team

Code & Pepper services for Flink

UI/UX Design

From defining and managing product requirements to creating the new UI/UX design and optimised conversion

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How Code & Pepper helped Nimbla support business owners with invoice insurance and more

London, United Kingdom
Mobile Development, UI/UX Design, Web Development
API, InsurTech, Node.js, React


Invoice insurance may not sound like a breakthrough, but it becomes much more powerful thanks to InsurTech solutions. With Nimbla, companies can check potential customers credit rating and eliminate risky decisions. Read on to learn about the solutions Code & Pepper contributed to the platform, including UI/UX design, end-to-end development, and cloud architecture.

About Nimbla

Nimbla takes factoring services for small and medium businesses to the next level. Apart from invoice insurance, it provides users with a possibility to view the credit rating of their customers in order to prevent losses and ensure safe cash flow. The platform is cloud-based and accessible both from web browsers and mobile devices (iOS and Android). The goal for Nimbla is to facilitate and speed up the insurance proceedings for companies of all sizes.


Initially, we worked on one part of Nimbla, which was a monitoring solution for codes and policies for invoices, making them all viewable and accessible in one place. For this stage, we delivered UI designs based on frameworks received from Nimbla. The first completed project encouraged the client to continue working with us on further challenges. We went on with the designs and started the development, which included:

  • Implementing library components
  • Incorporating features such as tables, buttons, menus, etc.
  • Deployment to cloud environment

Solutions for Nimbla

The team of 6 included full-stack and front-end developers as well as DevOps and cloud experts. The whole app architecture and code was built from scratch by Code & Pepper. Before picking the technology stack for every project, we discuss different possibilities and analyse the pros and cons before we propose our choices to the client.

Reusable UI components

UI components are implemented using React and ReactStrap. All components are reused across multiple applications, which is why there’s a point in keeping a separate repository and make sure there is a relevant API defined to avoid hard dependencies with any other application.

Tailor-made technology stack

We replaced commonly used technologies with new solutions, which proved to be a better choice for Nimbla. Here are a few examples:

  • GraphQL (instead of RestfulAPI) – a more flexible API with frontend in control, a type system and out-of-the-box API documentation
  • Koa (instead of Express) – the next-generation framework for Node.js
  • TypeScript (instead of pure JavaScript) – helped us catch bugs early thanks to strong/static typing

Scrum project management

To keep the communication and development progress in check, we are strong supporters of Scrum methodology and fluent communication between the client and the team. Thanks to daily updates, sprint planning and retrospectives we are always on the same page. We stick to selected communication channels – JIRA and Slack – which help us find important information quickly and prevent chaos in cooperation.

Code & Pepper provides high-quality, reliable code and designs. Flexible, responsive, and dedicated to client satisfaction, working with their team continues to add a lot of value to the business overall.

Aurélien Bonnel, CTO at TradeCrediTech (Nimbla)

Technologies and solutions for Nimbla

cloud-infrastructure Created with Sketch. Cloud Architecture

Code & Pepper services for Nimbla

Web Development

Replaced commonly used technological stack with more flexible solutions, including GraphQL, Koa for Node.js, and TypeScript.

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Want to create an app your customers will trust?

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Flex Funding

Smart UX and UI design brought to life with Angular for profitable investing and lending

Copenhagen, Denmark
UI/UX Design, Web Development
Angular, Frontend

Flex Funding

Flex Funding is a peer-to-peer (P2P) lending and investment web platform dedicated to the Scandinavian market. Code & Pepper helped to define the app requirements, create an outstanding product design and provide first class front-end developers specialising in Angular. 

About Flex Funding

FlexFunding matches investors with established businesses looking for affordable loans, ensuring both parties get optimal deals. It operates for different products, currencies, languages and business partners. The goal of the platform is to propose an effective alternative to corporate bank loans, ensuring stable terms and safety. Code & Pepper provided the platform with a reliable design and brought it to life with robust front-end development.


The first version of the platform had already been built, but its UX and UI design needed certain improvements. This gave us two challenges: to design a new interface for the application and provide skilled front-end developers to implement it without the need of in-house recruitment. To meet the challenge, Code & Pepper began by analysing the target group, identifying the types of platform users and objectives.

Solutions for Flex Funding

Custom software development model

Flex Funding had two specific requirements to get the platform ready. Firstly, they needed a product architect and UX/UI designer, available as soon as possible. Time-consuming recruitment was not an option. At the same time, they were looking for engineers who could join the development team to implement the new interface without hassle.

Taking all factors and requirements into consideration, we decided to offer a custom, two-part service for each development stage:

  • End-to-end model for the UX/UI design. Code & Pepper were responsible for the organization of the design process, requirements management and work results needed for developers
  • Team augmentation model for front-end development. Our delegated programmers joined the existing team and were involved in the development management process carried out on the client’s side.



1,200 TESTS


Material Design

Google’s Material Design was chosen as the visual language. We followed the best practices and used Angular Material, a high-quality library of material design components for Angular created by Google.

Our team analysed the behaviour of current users and mapped all functionalities of the existing application. On this basis, we were able to propose a more intuitive new design. As soon as Flex Funding agreed upon the redesigned user experience and interface, we began front-end development to finalise the application makeover.


In some countries, it is required by law to follow the A11Y standard in software development. That’s why we chose a high-quality UI library tested with screen readers, used accurate HTML elements and ARIA labels. By making sure the application is easy to use for everyone, including people with disabilities, we are able to create functional software.


In FinTech, trust is key – that’s why we pay a lot of attention to security aspects. Starting from using industry standards like OAuth 2.0/Open ID Connect and JWA (JSON Web Tokens) and MFA (Multi Factor Authentication) for critical actions in the application to lower-level solutions like CSP (Content Security Policy) and other security HTTP headers, HTTPS (TLS) and protection against common attacks like xSS (Cross-Site Scripting).

High performance

Performance is one of the elements that helps create trust in the user, which is crucial especially in applications enabling money processing. In order to keep short load times, we used lazy loading – a design pattern which loads essential parts of the application according to the user’s behaviour, following the so-called application routes.

We value Code & Pepper for their quick-to-grasp understanding of our financial product and implementing an optimised user experience on the client-side app. The team are highly experienced and brought a great approach to our project.

Premila Stampe, Head of Business Strategy at Flex Funding


To ensure the high quality of the application and maintainable code, every developer created unit, component and integration tests. We also tested selected elements of the UI Behaviour-Driven Development (BDD).


We prepared the application to be usable in different languages by using Angular’s build in
i18n attribute and CLI tools. We created and tested all the pages and components using three languages: English, Danish and Faroese.

Technologies and solutions for Flex Funding

material-design Created with Sketch. Material design
Product design
Security solutions
Quality assurance

Code & Pepper services for Flex Funding

You’ve got the vision, we’ve got the power

See next case study

Flex Funding

Smart UX and UI design brought to life with Angular for profitable investing and lending

Copenhagen, Denmark
UI/UX Design, Web Development
Angular, Frontend
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