Modernizing Debt Management with a Client-Centered Portal

Client: Navicore Solutions

Navicore Solutions is a nonprofit credit counseling agency that guides individuals and families through the process of managing and eliminating debt. For years, Navicore relied on a Client Web Access (CWA) portal to connect enrolled clients with their Debt Management Plans (DMPs) — giving them access to account information, online payments, scheduling, and support resources. But the portal had grown outdated: it was non-responsive on mobile devices, visually inconsistent with Navicore’s public-facing website, and dependent on a payment gateway (Bank of America’s legacy system) that was being retired. Navicore approached Unleashed Technologies to rebuild the CWA from the ground up — modernizing the platform, integrating new payment infrastructure, and delivering a cleaner, more engaging experience for the clients who depend on it most.

Project Goals

  • Rebuild the CWA portal on a modern, maintainable platform (Laravel) to replace legacy technology.
  • Integrate with the Commerce Payment Platform (Bank of America / Alacriti OrbiPay) via SSO for seamless, secure online payments.
  • Align the portal’s design with Navicore’s public-facing website for a consistent brand experience.
  • Add multilingual support (English and Spanish) to serve Navicore’s diverse client base.
  • Implement multi-factor authentication (2FA) and robust login security to protect sensitive client data.
  • Ensure full responsiveness across desktop, tablet, and mobile devices.
  • Comply with Section 508 of the Rehabilitation Act for accessibility.
  • Integrate critical third-party tools: CreditMaster CRM, Calendly (scheduling), and Five9 (chatbot support).
  • Deliver a 30-day post-launch warranty period with optional ongoing maintenance support. 

Results

Using our proven Discovery, Strategy, and UX/Design processes, the Unleashed team delivered a fully modernized client portal built on Laravel — a framework chosen for its security architecture, development flexibility, and robust testing capabilities. The result is a responsive, accessible, and integrated experience that replaces a decade-old system with a platform built to scale.

Seamless Payment Integration via Commerce Payment Platform SSO

With Bank of America retiring its legacy payment gateway, Navicore needed a new solution that could securely hand off authenticated clients to a hosted payment portal without requiring them to log in again. Unleashed implemented a Single Sign-On (SSO) integration with Bank of America’s Commerce Payment Portal — powered by Alacriti’s OrbiPay platform. Clients can now initiate payments from within the CWA, be seamlessly redirected to the secure hosted checkout page with their account data pre-populated, and receive real-time confirmation upon completion. The integration supports partial payments, full payments, and additional contributions, with no sensitive payment data stored on Navicore’s servers.

Modern, Accessible Portal Built on Laravel

The new CWA portal is built entirely on Laravel — selected for its strong security features (protection against SQL injection and CSRF), simplified database interactions, and robust testing infrastructure. The portal is fully responsive across all screen sizes, Section 508 compliant, and visually aligned with Navicore’s public-facing brand. Hosting was migrated from AWS to Platform.sh’s enterprise-grade PaaS infrastructure for improved reliability and scalability.

Secure Authentication & Client Data Protection

Client security was a top priority. The rebuilt portal implements multi-factor authentication (2FA) via email or SMS, limits login attempts to prevent brute-force attacks, and validates all password changes against the existing credential. Authentication flows through the CreditMaster API — Navicore’s internal CRM — ensuring consistent identity management across systems. No sensitive client data is stored on the CWA web server.

Progress Tracking & Gamification for DMP Engagement

Staying motivated through a multi-year debt management plan is hard. To address this, Unleashed designed a “My DMP Progress” feature that surfaces dynamic, personalized content based on each client’s stage in their DMP lifecycle. Clients can view metrics like total payments made, remaining balance, and estimated completion date — and earn badges and milestones as they hit goals. Social sharing lets clients celebrate their progress, turning a financial journey into a more human experience.

Other Key Project Deliverables Include:

  • Multilingual support with dynamic English/Spanish toggle at launch.
  • Calendly integration for appointment scheduling with automated email and SMS reminders.
  • Five9 chatbot available on every page for instant client support.
  • Secure messaging system with encrypted client-to-counselor communication and document upload/download (90-day retention).
  • DocuSign integration for electronic signatures on program documents.
  • First-login onboarding flow that captures client communication preferences (voice, SMS, email).
  • CRM integration with CreditMaster for real-time account data and dynamic content.
  • Design style guide to govern the portal’s visual identity going forward.
  • 30-day post-launch warranty period included; optional ongoing maintenance retainer available.