ABC BANK

Portfolio management, mortgage, personal

banking

CUSTOMER ON-BOARDING PROCESS

SOLUTION APPROACH

Customers have to provide his/her basic details

(Name, Age, Address, Email, Mobile Number
etc..) or
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).
Customers have to agree the Terms/Conditions of
the bank.

Once Customer submits the details, system will

send the alert message (sms) to the respective
Staff.
Once Staff verifies the details, system will send
mail to the respective Customer with the system
generated unique customer ID and password.
Customer can 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 login to the system, once he/she has

registered successfully.
Staff can 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 view his/her
information and loan information, application
status, respective staff tagged to the customer to
process.
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 internal applications (Net
Banking, Money Transaction, Loan Apply).
Once customer login into the system, he/she can
access the internal applications without
authentication.
Internal Staff/ Managers will be 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
origination 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
RegistrationFor
m (Name,Age,
etc..)
Custom
er Login

Existing flow:
Upload Proof
Documents

SignUp
/OAuth
Customer login
to one of
providers like
Google/Fb/Twit
ter/LinkedIn

Get the
Customers Basic
Details from third
party provider

INTERNAL/EXTERNAL NOTIFICATION IMPLEMENTATION

Once Customer
Uploaded Proof
Documents

Customer will
be able to
login to his/her
own bank
account

Internal
Notification
Service(sms/ma
il/notification)

Bank
Internal Staff
will receive
notification

Customer will
receive unique
ID and
password in
mail once
documents
approved

Bank Staff
have to verify
the documents
and approve

INTERNAL STAFF LOGIN

IMPLEMENTATION
Internal Staff
Login

Customer will
receive
mail/message,
once the process
is completed

Receive
notifications
about the
latest
customer
queries
Manager will
receive
notification once
the staff verifies.
He can
approve/reject the
loan

Able to view
customers
portfolio,
account
summary

Staff have to
validate the
documents (loan
amount, salary,
title deed etc)

INTEGRATION OF CUSTOMER MASTER DATA

MANAGEMENT AND LOAN ORIGINATION
SYSTEM
Customer
master data
management
Loan
origination
system

Servicing
applications

Customers personal
details, portfolio, account
summary, loan,
transaction details and
staff who processed the
customer information

Customer can
view his/her own
information,
application
status
Internal Staff
can view the
customers
details to resolve
the queries
Account
Manager/Manag
ement can view
the customers
details

GENERATE REPORT SERVICE FROM

INTEGRATION SERVICE

Customers personal
details, portfolio, account
summary, loan,
transaction details and
staff who processed the
customer information

Generate
Reports
based on
customers
transaction,
portfolio,
etc.

Pie Chart,
Graphs, Line
Graphs,
Pictograms

PURGE JOB FOR DATA ARCHIVAL

Old Customer
Data, Completed
transaction
details,
unprocessed
account etc.

History
Database for
analytics engine,
customer history

Purge Job will

check and
remove data
that are older
than six
months

DYNAMIC RULE CONFIGURATION

Bank Internal Staff

able to change the
interest rates for the
loan amount, share
value, latest market
value

Bank Manager will

check and approve
the changed
information

Customer Master
Data Management,
Loan Origination
System

CUSTOMIZE THE EXISTING

SERVICE FOR MOBILE
APPLICATIONS

Customer Master
Data Management,
Loan Origination
System

Customize the
Existing Service to
support mobile
applications

Mobile Applications
Iphone, Android, etc

TECHNICAL ARCHITECTURE
OAUTH
Register our app in
Google, FB, Twitter,
LinkedIn (redirect url)

Customer clicked on
oAuth icon (Google,
FB, Twitter, LinkedIn)

Get Client Secret token,

Client Id, register
redirect Url

Google/FB/Twitter/Li
nkedIn Login Page

Login success, call

Google, Twitter, FB,
LinkedIn API to
getUserDetails

INTERNAL MESSAGE NOTIFICATION

Call the Twilio REST
Api with the registered
internal staffs mobile
number and it will send
msg
Internal Staff will
receive message and
notification

Customer submitted
his proof documents
and applied for loan

Service to create
notification in Internal
Staffs dashboard

SSO AUTHENTICATION
NET
banking

Customer
Login

SSO
Authenticatio
n (single
token)

Loan
transactions

Credit Card
transaction
s

INTERNAL STAFF LOGIN/VIEW

CUSTOMERS INFO
Internal Staff
Form
Registration

Internal
Staff Login
Portal

Internal Staff Details

will be stored, it will
generate unique ID and
password of the staff

Dashboard contains
notification about
customer queries,
customer id

Customer ID to
View Customer
Details, portfolio
,account
summary

Integrated Customer
master data
management and loan
origination system

INTEGRATION OF CUSTOMER MASTER DATA

MANAGEMENT AND LOAN ORIGINATION
SYSTEM
Customer master
data management
(customer id,loan id)

Loan origination
system (loan id,
Staff id,Manager id)

Servicing
application (loan
processing
information)

Get Customer ID
from the service to
integrate

GENERATE REPORT FROM

INTEGRATION SERVICE

Customer ID
to generate
reports

Integrated Customer
master data management
and loan origination
system and servicing
application

Customers personal
details, portfolio,
account summary,
loan, transaction
details and staff who
processed the
customer
information

Display
information in
the format of
graphs, charts,
histograms etc.

PURGE JOB FOR DATA ARCHIVAL

History Database will
store the purged
documents for
analytics engines,
customer history

Customer master data

management, loan
origination system

Cron job will run

everyday to check
the last accessed
date, if it is greater
than 6 months

DYNAMIC RULE CONFIGURATION

Bank Internal
Staff
Login/Update

Dashboard will allow

to change the interest
rates for the loan
amount, deliverable
date, share value,
latest market value

Bank Manager will

check and approve
the changed
information

Customer Master
Data Management
Loan Origination
System

CUSTOMIZE THE EXISTING

SERVICE FOR MOBILE
APPLICATIONS

REST BASED ARCHITECTURE

GET

POST
SERVIC
E CALL
PUT

DELET
E

Customer master
data
management, loan
origination and
servicing
application

RATIONALE BEHIND CHOICE OF

PLATFORM/LIBRARIES/TOOLS
Front-end development Angular JS / React JS
(redux architecture).
Angular JS (MVC framework) Angular JS is a
structural framework for dynamic web apps.
React JS (JavaScript Library) - React JS is a
JavaScript library developed by Facebook for
building user interfaces. It makes it painless to
create interactive UIs.
Redux (action, reducer, store, view)- The whole
state of your app is stored in an object tree inside
a singlestore

BACKEND DEVELOPMENT & TOOLS

Node JS - Node.js is a platform built on Chrome's

JavaScript runtime for easily building fast and
scalable network applications. Node.js uses an eventdriven, non-blocking I/O model that makes it
lightweight and efficient
Mongo DB Use Mongo DB for a flexible data model
if your database schema can evolve with business
requirements.( support both structured and
unstructured schemas ).

Webstorm Node JS
Sublime Text, Atom Angular JS, React JS

HIGH LEVEL RISKS THAT YOU SEE

IN SUCH A PROGRAM

Security

Since it is bank application, security layer must be

very efficient.

Data loss
There

should not be any data loss at any case.

Integration

Understand

the existing flow/architecture and also

integrate with the latest features without any issues.

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.
Micro Service (Monolithic Architecture)

Micro

service 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 welldefined, 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 cloud foundry.
If one instance failed also, other instances will be
available to respond.
CF Create Service 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.

Thank You
Venkatesh Kumar M