BuildPayX — FinTech Platform for Construction Payments
A comprehensive FinTech platform designed to streamline construction project payments and risk management with role-based dashboards, automated compliance, and AI-driven BuildScore risk ratings.
My Role
CTO (Tech Lead for FinTech project)
When
Term 2, 2025 (UNSW, FINS5548 FinTech)
Current Status
Completed (Final submission delivered, MVP built)
Built With
Python · Flask · MySQL · Bootstrap · HTML/CSS/JS
The Problem
Construction sector payments are fragmented, with delays and disputes creating significant financial risks for all stakeholders.
- Payment fragmentation: Delays and disputes are common throughout the construction payment chain.
- Lack of transparency: Traditional payment systems don't provide clear visibility into payment status and approval workflows.
- Missing oversight: No role-specific dashboards or compliance monitoring for different stakeholder needs.
- Risk blindness: Limited ability to assess and monitor project financial risks in real-time.
Our Solution
BuildPayX integrates multi-stakeholder workflows with AI-driven risk assessment to create transparency and reduce payment disputes.
- Multi-role architecture: Tailored dashboards for Head Contractors, Subcontractors, Accountants, CFOs, PMOs, and Commercial Managers.
- BuildScore risk classifier: RandomForest-based AI system that evaluates payment and project risks in real-time.
- Integrated dashboards: Centralized views for payment requests, compliance checks, and comprehensive project oversight.
- Accountability systems: Built-in notifications and complete audit trails for all transactions and decisions.
My Contribution as CTO
Led the technical architecture and implementation while balancing hands-on development with strategic oversight.
- System architecture: Designed multi-role workflows, database schema, and dashboard interaction patterns.
- AI implementation: Built and trained the BuildScore risk-scoring logic using RandomForest algorithms.
- Full-stack development: Developed user interfaces and backend systems using Flask, Bootstrap, and MySQL.
- Team leadership: Coordinated module integration, code reviews, and final presentation preparation.
Outcome
Successfully delivered a comprehensive FinTech MVP that demonstrated real-world applicability and technical sophistication.
- Timely delivery: Completed working MVP within 8-week academic timeline with all core features functional.
- Successful demonstration: Presented to course panel with positive feedback on usability and risk-management innovation.
- Team achievement: Strengthened collaborative development through structured technical leadership and clear role definitions.
- Learning validation: Applied FinTech principles in a practical, multi-stakeholder construction industry context.
Reflection & Learnings
Valuable insights gained from leading a complex FinTech project under tight academic constraints.
- Scoping expertise: Learned to effectively scope large multi-stakeholder systems within compressed timelines.
- Leadership balance: Successfully balanced dual role as both system architect and hands-on developer.
- Domain knowledge: Gained deep insights into FinTech compliance workflows and construction payment risk dynamics.
- Technical growth: Enhanced skills in AI integration, multi-role system design, and rapid MVP development.
Technical Details
Architecture decisions, implementation approaches, and technical innovations that made BuildPayX successful.
- Architecture: Flask MVC architecture with role-based authentication and MySQL relational database design.
- AI/ML Integration: RandomForest classifier for BuildScore with feature engineering from payment history, project metrics, and compliance data.
- Frontend: Bootstrap-based responsive UI with JavaScript for dynamic dashboard interactions and real-time notifications.
- Data Flow: RESTful API design with JSON data exchange, automated compliance checking, and audit trail generation.
Full technical documentation and code samples available upon request for academic or professional review.