AI-Powered Lease-to-Own Integration for a Premium Technology Retailer
Enabling financing inside one of the world’s most secure digital ecosystems.

Overview

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A premium technology retailer needed to offer lease-to-own financing but operated within one of the most restrictive digital environments—no local data storage, strict privacy rules, and a multi-application checkout. Codvo engineered a completely custom, AI-driven integration that works without browser storage, persists data inside the mobile app, and orchestrates secure, multi-application checkout flows using AWS.

The result: a seamless, compliant financing offer delivered in under 250ms, all while maintaining the retailer’s premium UX.

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Business Challenge

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  • No browser or session storage allowed, making it impossible to persist cart/product data
  • Strict privacy & data handling rules requiring controlled, encrypted transmission
  • Checkout spans multiple applications, requiring secure handoff between systems
  • Premium-grade UX standards—no latency, no disruptions, no compromises
  • Incompatible with traditional e-commerce integrations relying on DOM storage or cookies

          The platform needed a solution that respected all restrictions without altering the retailer’s closed architecture.

Solution Delivered

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Codvo built a custom mobile-application–based integration framework powered by machine learning and AWS serverless services.

Key Capabilities

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1. Real-Time Product Identification (No Local Storage)

  • Lightweight DOM parser + ML model (SageMaker) identifies eligible items instantly
  • No cookies, local storage, or session storage used

2. Mobile App-Based Persistent Storage

  • Product & customer data stored inside the mobile app, not the browser
  • Ensures continuity across browsing, cart, and checkout

3. Multi-Application Checkout Integration

  • Step Functions orchestrate secure handoff across multiple apps
  • DynamoDB provides encrypted temporary storage
  • End-to-end encrypted data transmission via API Gateway

4. AWS ML & Serverless Backend

  • SageMaker ML models for eligibility prediction
  • Lambda for real-time orchestration
  • CloudFront for global low-latency script delivery
  • CloudWatch for logging, monitoring & security tracking

5. Continuous Learning Pipeline

  • SageMaker Pipelines retrain ML models as product catalogs evolve

Business Outcomes

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Full Compliance with Restrictive Data Policies

Solution operates entirely within allowed boundaries—no prohibited storage or transmissions.

Seamless Multi-App Data Flow

Accurate, real-time data synchronization across multiple applications.

Sub-250ms Processing

Maintains the retailer's premium user experience with no visible delays.

High ML Accuracy

Correctly identifies lease-eligible products with minimal false classifications.

Zero Privacy Violations

End-to-end encryption and rigid access controls meet enterprise security requirements.

Premium UX Preserved

No disruption to browsing, cart, or checkout flows.

Why This Matters

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This solution proves that innovative cloud architecture can overcome even the most restrictive environments. By combining AWS serverless capabilities, machine learning, and mobile-based persistence, the lease-to-own platform successfully integrated with a retailer known for its rigid security, privacy, and UX standards.

It stands as a blueprint for delivering financial services inside closed, premium ecosystems—securely, intelligently, and seamlessly.