The article is devoted to the study of the main stages of software product development, in particular, the creation of a demo version of the application. This demo version helps to determine whether there is a need for an application aimed at assessing the solvency of bank customers, and also helps to understand what functions are important to users. It also covers the principles of creating a software product that not only works but also meets market requirements. This is achieved by using the market interest testing method, which allows determining whether there is a demand for a particular product or service. Considerable attention is paid to the general grounds for the emergence of credit relations, which arise from commodity production, where the key element of credit functioning is the circulation of value within the commodity exchange. In this process, there is a time gap between the circulation of goods and their monetary equivalent, which leads to the separation of the monetary form of value from the commodity form. However, the turnover of goods is not the only reason for the emergence of credit relations. Nowadays, credit relations arise in any economic or financial transaction related to the debt of one of the parties to such a transaction. The article highlights the importance of user feedback and its impact on the further development of the application. It also emphasizes the need for continuous improvement and adaptation of the product to changing market conditions and user requirements. In particular, the importance of using analytical tools to track user behavior and feedback is discussed, which allows for timely product adjustments. The issues related to the effective management of IT projects, both traditional and flexible methodologies, approaches and techniques used to manage IT projects are considered. The author proposes to use the Scrum method for IT project management and provides recommendations for the effective implementation of IT projects. When bringing an IT product to the market, there are not yet sufficient grounds to conclude that the project is successful, as issues such as the mechanism for selling the product, the level of customer satisfaction, and the need for changes remain unresolved. In addition, the success of an IT project to create a new product cannot be determined by successful implementation alone - it is important to ensure the integrated operation of the developed IT system. Therefore, the success of an IT project is measured not only by its successful implementation but also by the efficiency of its operation, as well as by the product's ability to meet customer needs and bring profit to the company. In addition, it is important to consider that the success of a project depends on many factors, including market conditions, competition, customer needs, etc. Thus, the article provides valuable guidance and recommendations for developing software products that meet market needs and user requirements.