From notebooks and Excel to a real-time collections platform
Paga Diario
Data flow
- FIELDCollectorsGPS collection routes
- APINode.js + ExpressJWT · sessions
- QUEUESBullMQ + Redisbackground jobs
- DATAPostgreSQL 16Prisma ORM
- OUTPUTREAL TIMELive dashboardSocket.io · Telegram alerts
The problem
Daily-collection microloan portfolios are usually kept in notebooks and Excel sheets. Paga Diario automates payment recording, late-fee calculation and reports, and organizes the collectors' routes.
Key decisions
- Late fees under Colombian regulationThe calculation is automatic and follows the regulation instead of relying on manual math.
- Real time without blocking the APIBullMQ on Redis and Socket.io for the live dashboard. Redis is optional: basic operation works without it.
- Tested and deployedTests with Jest and Supertest, Docker containers and deployment on Fly.io.
Outcome
- Live demo with public credentials.
- Complete modules: loans, payments, collectors, expenses, bulk import, reports and Telegram alerts.
- Dato pendiente: [Next step: an AI assistant that prioritizes the day's route and flags clients at risk of late payment]