CanCap Group is a Canadian financial services company providing end-to-end lending and lending-as-a-service across multiple verticals. Since 2011, CanCap has grown its portfolio to include automotive finance, consumer unsecured loans, merchant lending, small business and mortgage, serving both direct and indirect channels. The firm’s operational scope spans the full receivables lifecycle, supported by a leadership team with over 100 years of combined industry experience. CanCap is committed to scalable innovation, inclusive access to credit, and outstanding customer service.
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As CanCap scaled its loan book, its legacy financial systems became increasingly difficult to manage. Manual tasks—such as reconciling payment exceptions, validating overnight jobs, and merging key data files—pressured operational capacity. Core limitations required manual payment traceability, error handling for unexpected payment formats, and the lack of an error-less mechanism for pushing changes to existing pipelines slowed the company's ability to evolve and respond to growth opportunities without the right operating controls.
The Challenge
Data SEA partnered with CanCap to re-architect its financial payment infrastructure. Together, the teams mapped the current-state workflows and co-developed a vision for a more automated, modular system. Using the Databricks Lakehouse, Data SEA implemented modern financial pipelines incorporating DevOps best practices, modular design, and automated data validation. The result was a highly scalable and traceable payment system, built to evolve with CanCap’s needs.
The Solution
The Results
The new pipelines reduced manual reconciliation efforts by over 40% and decreased payment-related errors significantly allowing CanCap to focus on growth and other progressive aspects of its business. Today, more than $100 million in monthly payments flow through the new financial system safely and securely with even more controls and governance.
“Partnering with Data SEA has been an accelerator for our transformation initiatives. They took the time to deeply understand our business, workflows, challenges, and goals. Working closely with our teams to develop solutions that would suit our needs today and into the future. Their technical depth, responsiveness, and collaborative mindset made this one of our smoothest transformations to date. We now have a robust, scalable financial architecture that’s built for growth.
Data SEA has proven to be a reliable and forward-thinking partner, and their support has helped us unlock new levels of performance and confidence in our data ecosystem.”
Richard Evans
Chief Product Officer, CanCap Group