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Digital Banking Platform for Non-Transactional Clients

ailleron.com

Financial services

Key Challenges in Digital Banking for Non-Transactional Clients

Delivering a digital platform for clients without current accounts to manage credit products, enable loan repayments from external banks, and integrate complex systems (UX/UI, FrontEnd, BackOffice, Authorization Server, Enterprise Bus) while ensuring seamless financial experiences.

About the Client

Consumer finance bank specializing in car loans, personal loans, credit cards, instalment loans, term deposits, and savings accounts without offering current accounts

Strategic Goals for Digital Platform Development

Enable clients to monitor and manage retail credit products (loans, credit cards)
Facilitate loan repayments from external bank accounts
Implement cross-selling capabilities for financial products
Automate payment reminders for due instalments

Core Functionalities and Key Features

Real-time credit product dashboard
Multi-bank repayment integration
Automated payment reminder system
Personalized cross-selling engine
Secure user authentication and authorization

Technology Stack Requirements

React.js or Angular for frontend

Node.js or Java Spring Boot for backend

Microservices architecture

OAuth 2.0/OpenID Connect for authorization

Enterprise Service Bus (ESB) for integration

Critical System Integrations

Core banking system APIs
Third-party payment gateways
External bank account verification services
Customer relationship management (CRM) platform

Non-Functional Requirements

High-security standards (PCI-DSS, GDPR compliance)
Scalable architecture for peak transaction loads
99.9% system availability SLA
Real-time transaction processing performance

Expected Business Impact

Enhanced customer satisfaction through seamless digital experiences, 30% faster loan repayment processing times, increased cross-sell conversion rates by 25%, and reduced operational costs through automated payment management systems.