Digitizing Debt Restructuring Workflows: The Development of a Web-Based Installment Plan Management System (IPMS)
Keywords:
Installment Plan, Digitising, RBAC, UML, FinTechAbstract
Legacy paper-based distribution of installments has resulted in administrative bottlenecks and calculation errors. To provide a solution to this issue, a web-based Installment Plan Management System (IPMS) was built with a 3-Tier architecture that automates the workflow using PHP/MySQL. Testing indicated that the IPMS removed all manually calculated errors in distribution and optimized application processing time. Through the use of real-time dashboards and Role-Based Access Control, the IPMS greatly improved transparency of organisations and provided a standardised methodology to ensure compliance with policy. Digitising this workflow results in an efficient and scalable solution that improves administrative oversight and overall customer experience.
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Copyright (c) 2026 Ammar Aidil Mohd Azudin, Ts. Inv. Mohd Zafian, Noor Rahmawati Alias
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