ABC BANK

Portfolio management, mortgage, personal

banking
 CUSTOMER ON-BOARDING PROCESS

SOLUTION APPROACH

Customer has to provide his/her basic details

(Name, Age, Address, Email, Mobile Number
etc..) or via
OAuth Integration:

Instead of submitting basic details, he/she can

easily get it done via oAuth
(Google/Facebook/Twitter/LinkedIn).
Account Preference (Salary, Current) and upload
the proof documents (Voter ID/Aadhar ID/PAN
Card).
Customer has to agree the Terms/Conditions of

the bank.
 Once Customer submitted the details, system
will send the alert message (sms) to the
respective Staff.
Once Staff verified the details, system will send
mail to the respective Customer with the system
generated unique client ID and password.
End User can able to login and access the bank

privileges like
Loan (mortgage), Net Banking, Credit Card.

To provide Loan, customer has to upload pay

slips, salary amount, title deed, type of loan and
loan amount, system will trigger the alert
message.
Account Manager has to validate the proof
documents and approve for the same.
FOR INTERNAL STAFF

Bank Staff can able to login to the system, once he/she

has to be registered successfully.

Staff can able to only view the existing customer details

like account summary, customer investment portfolio
and savings

Internal Staff Messaging System will be enabled, so that

if one staff verified the customers documents, then
his/her immediate manager will be able to approve the
loan.
INTEGRATION
Integrate with internal applications like customer
master data management, loan origination system
and servicing application into a single application.
In a single dashboard, user can able to view

his/her information and loan information,

application status, respective staff tagged to the
customer.
For internal staff, it will provide a single view

summary of the customers details and portfolio.

And also integrate with external govt agencies, so

it will send/receive the updates of customers

verification and property assurance.
AUTHORIZATION
Enable Single Sign On(SSO)
To access multiple applications (Net Banking, Money
Transaction, Loan Apply).
Once customer login into the system, he/she can able
to access the internal applications without doing any
authentication.
Internal Staff/ Managers able to generate reports of
the customers portfolio.
Purge jobs will be added and it will remove the data
that are older than 6 months,
Dynamic rules configuration will be enabled, so the
internal staff will be able to change the interest rates,
deliverable dates etc..
LOGICAL ARCHITECTURE
Oauth Implementation.
Internal/External Notification Implementation.

Internal Staff login/view Implementation.

Integrate customer master data management, loan

orientation system and servicing application
Implementation.
External System Integration Implementation.

Authorization Implementation(SSO)

Generate Report Implementation(collect and merge).

Cron Job Implementation(remove data).

Dynamic Rule Set Configuration

Implementation(Edit data).
OAUTH IMPLEMENTATION

User
Existing flow:
RegistrationFor
Upload Proof
m (Name,Age,
Documents
etc..)
Custom SignUp
er Login /OAuth

Customer login Get the

to one of Customers Basic
providers like Details from third
Google/Fb/Twit party provider
ter/LinkedIn
INTERNAL/EXTERNAL NOTIFICATION
IMPLEMENTATION

Internal Bank
Once Customer Notification Internal Staff
Uploaded Proof Service(sms/ma will receive
Documents il/notification) notification

Customer will
receive unique
Customer will Bank Staff
ID and
able to login to have to verify
password in
his/her own the documents
mail once
bank account and approve
documents
approved
INTERNAL STAFF LOGIN
IMPLEMENTATION
Receive
Able to only
notifications
view customers
Internal Staff about the
portfolio,
Login latest
account
customer
summary
queries

Manager will
Customer will receive Staff have to
receive notification once validate the
mail/message, the staff verified. documents (loan
once the process He can amount, salary,
is finished approve/reject the title deed etc)
loan
INTEGRATION OF CUSTOMER MASTER DATA
MANAGEMENT AND LOAN ORIGINATION
SYSTEM

Customer able to
Customer view his own
master data information,
managemen application
t status
Customers personal
details, portfolio, account
Loan Internal Staff
summary, loan,
origination able to view the
transaction details and
system customers
staff who processed the
details to resolve
customer information
the queries

Serving Account
applications Manager/Manag
ement able to
view the
customer details
GENERATE REPORT SERVICE FROM
INTEGRATION SERVICE

Generate
Customers personal
Reports
details, portfolio, account Pie Chart,
based on
summary, loan, Graphs, Line
customers
transaction details and Graphs,
transaction,
staff who processed the Pictograms
portfolio,
customer information
etc.
PURGE JOB FOR DATA ARCHIVAL

Old Customer Data, History

Completed Database for
transaction details, analytics engine,
unprocessed account customer history
etc.

Purge Job will

check and
remove data
that are older
than six
months
DYNAMIC RULE CONFIGURATION

Bank Internal Staff

able to change the Bank Manager will Customer Master
interest rates for the check and approve Data Management
loan amount, share the changed Loan Origination
value, latest market information System
value
CUSTOMIZE THE EXISTING
SERVICE FOR MOBILE
APPLICATIONS

Integrated Customer Customize the

Master Data Existing Service to Mobile Applications
Management, Loan support mobile Iphone, Android, etc
Origination System applications
TECHNICAL ARCHITECTURE
OAUTH

Register our app in Get Client Secret token,

Google, FB, Twitter, Client Id, register
LinkedIn (redirect url) redirect Url

Login success, call

Customer clicked on Google, Twitter, FB,
Google/FB/Twitter/Li
oAuth icon (Google, LinkedIn API to
nkedIn Login Page
FB, Twitter, LinkedIn) getUserDetails
INTERNAL MESSAGE NOTIFICATION
Call the Twilio REST
Api with the registered
internal staffs mobile
number and it will send
msg

Internal Staff will

Customer submitted receive message and
his proof documents notification
and applied for loan

Service to create
notification in Internal
Staffs dashboard
 INTERNAL STAFF LOGIN/VIEW
CUSTOMERS INFO
Internal Staff Details
Internal Staff
will be stored, it will
Form
generate unique ID and
registration
password for the staff

Customer ID to Integrated Customer

Dashboard contains
Internal View Customer master data
notification about
Staff Login Details, portfolio management and loan
customer queries,
Portal ,account origination system
customer id
summary
 INTEGRATION OF CUSTOMER MASTER DATA
MANAGEMENT AND LOAN ORIGINATION
SYSTEM

Customer master
data management
(customer id,loan id)

Loan origination Get Customer ID

system (loan id, from the service to
Staff id,Manager id) integrate

Servicing
application (loan
processing
information)
GENERATE REPORT SERVICE FROM
INTEGRATION SERVICE

Integrated Customer
Customer ID master data management
to generate and loan origination
reports system and servicing
application
DEPLOYMENT ARCHITECTURE

PASS (platform as a service).

If we want to quickly deploy an application in Cloud
in a short duration. It will be easily scalable, high
availability and secured.
Cloud Foundry (Pivotal, IBM Bluemix, Microsoft
Azure)
Create micro services for each requirement in cloud
foundry using service brokers.
MicroService (Monolithic Architecture)
Microservice architecture is a method of developing
software applications as a suite of independently
deployable, small, modular services in which each service
runs a unique process and communicates through a well-
defined, lightweight mechanism to serve a business goal.
DYNAMIC SCALING, HIGH
AVAILABILITY
Cf push to push an app in cloud foundry.
Cf scale instance 1 or 2 dynamically to scale an
app in cf.
If one instance failed also, other instances will be
available to respond.
Service Brokers to create a service instance

Cf bind service to bind a service for an app.

Cf unbind service to unbind a service for an

app.
Deploy micro services as a app in cf.