Unique Bank seeks to modernize its internet banking platform by replacing the existing system with a custom software solution that enhances user experience and supports mobile compatibility. The project involves migrating data from the last three years, implementing a microservices architecture for improved performance, and ensuring a centralized authentication mechanism. Key challenges include managing risks related to budget, schedule, and data protection compliance, while maintaining client engagement for successful prioritization of business objectives.

1. RFP Response for
Deepraj Pathak | 14th march, 2024

2. CLIENT DETAILS
• Unique Bank, a leading financial services group, operates across 28 markets. Unique Bank is APAC and EMEA
centered commercial bank focused on harnessing the region’s long-term potential as the center of economic
gravity shifts eastwards to Asia and Middle East
• A frontrunner in digital transformation, Unique Bank seek to deliver a new kind of banking that is so simple,
seamless and invisible, that customers have more time to spend on the people or things they care about.
• At Unique Bank is a strong advocate of building a sustainable future. Working with partners, empower people
to live larger than themselves. Unique Bank create avenues that encourage our customers to live socially
conscious; establish platforms to help social entrepreneurs bring their ideas to life; and provide the next
generation with opportunities to develop innovative solutions that address sustainability issues.
• Unique Bank is distinct from local or global players. As a leader in digital transformation, Unique Bank has the
reach and sophistication to outcompete local lenders, and deep Asian and Middle East insights that distinguish
us from global competitors. Unique Bank seek to intermediate trade and investment flows between Asia’s
three key axes of growth – Southeast Asia, South Asia and Middle East – as well as participate in Asia’s and
Middle East regions’ growing affluence.

3. PROJECT DETAILS
• Client is seeking to rewrite the internet banking platform with latest technologies and to update the product
and provide compatibility to use the application in mobile devices.
• Looking to replace the existing commercially off the shelf product with custom software
• Build an appealing User Experience
• Take sufficient assumptions on the existing system to provide an Unique Bank, at the same time a pragmatic
solution in this portal platform modernization.
• Client would like to see MVP version and then add features and enhancements once they get a customer
experience feedback?
• Migrating the existing users and data for last 3 years.
• Speed/Performance issues and response time.
• Centralised authentication mechanism has to be implemented.

4. CLIENT’S NEEDS
Current System Proposed System
 Live and Successful internet Banking platform
 Application using English as only Business Language
 Outdated UI(Fit for Web only)
 Built using legacy tools & technologies(Monolithic
Architecture)
 Adoption & Integration of COTS products
 Slow Time-to-Market
 Slow Performance
 Modern Banking platform
 Multi-Lingual Application
 Responsive UI experience for all kind of Touchpoints
like Web, Desktop, Mobile, Tablet, Foldable Display
 Simple & Seamless consumer like experience using
Microservices Architecture
 End to End Proprietary Solution(Zero COTS product)
 Very fast Time-to-Market
 Best in class performance using Geographically
Distributed System
 Centralized Authentication Mechanism
 Role-Based Authorization
 Migration of last 3 years data
 Regional Data Protection Rules & Policies

5. IDEATION TO PRODUCTION

6. DESIGN APPROACH(MICROSERVICES)
Why we chose
Microservices over
Monolithic?
1. Resiliency or Max. Availability
2. Loosely-Coupled Architecture
3. Very Smooth Add/update/Removal of new
Banking Features
4. Language Independent
5. Granularity
6. Easy to Maintain/Operate

7. LIST OF SERVICES IN INTERNET BANKING
• Authentication Service
• User Registration
• User Login
• Account Service
• Open/Close AC(Savings/Current/Demat/Trading)
• Check Account Summary
• Check Account Balance
• Download Statement / Automate E-Statement
• Update Details(Mobile No., Email ID, Home Branch, PIN No., Aadhaar
No.)
• Cheque Book Request
• New Debit Card Request
• Credit Card Limit Enhancement Request
• Redeem Reward Points
• NOC for Repaid Loans
• Transaction Service
• Add/Manage Payee
• Online Fund Transfer
• Auto-Debit
• Inward Remittances
• Online Recharge/Bill Payment(Mobile, D2H, Gas, Electricity, Fasttag)
• New LOB Service
• Open FD/RD/PPF/ULIP/Mutual Fund/Term Plan/Health
Insurance/Demat AC
• Request for Locker
• Apply for Bank AC/Credit Card/Debit Card/Loan
• Logging & Monitoring Service
• Fraud Detection Service
• Security Service

8. PROPOSED COMPONENT ARCHITECTURE
DB Replication
Failover
Rest API

9. PROPOSED DEPLOYMENT ARCHITECTURE

10. PROPOSED CI/CD PIPELINE AUTOMATION

11. PROPOSED TECH STACK & TOOLS

12. PROPOSED SAMPLE USE-CASE DIAGRAM

13. PROPOSED SAMPLE DATAFLOW DIAGRAM

14. DEVELOPMENT METHODOLOGY(AGILE)
Why we chose Agile over
Waterfall?
1. Less prone to Error
2. More Flexible & Adaptive to change
3. More Predictable End Product
4. Less Impact Analysis
5. Quick Time-to-Market
6. More Customer Involvement

15. QUALITY STRATEGY
Steps to Ensure Quality of
Microservices
1. Unit Testing: Performed by Developers
2. Integration Testing: Performed by QA
3. Component Testing: Performed by QA
4. Contract Testing: Performed by QA
5. End-to-End Testing: Performed by QA

16. QUALITY STRATEGY CONTD.(UTITCTCNTE2ET)

17. ESTIMATION & COST

18. STAFFING PLAN & RESOURCE LOADING

19. ENGAGEMENT TYPE

20. AGILE PROJECT GOVERNANCE FRAMEWORK

21. DATA GOVERNANCE FRAMEWORK

22. DATA PROTECTION(AS PER CURRENT MARKET SCOPE)

23. SECURITY IMPLEMENTATION

24. RISKS | CONSTRAINTS | DEPENDENCIES
Risks Constraints Dependencies
 Quality Risk
 Schedule Risk
 Budget Risk
 Scope Creep Risk
 Knowledge Risk
 Productivity Risk
 Security Risk
 External Risk
 Customer Acquisition
Risk
 Data Protection
Compliance Risk
 Scoping & Schedule would drive success of this
transformation. Clients handshaking is required at
the optimum level to know clear prioritization of
business objectives that result in product backlog.
So every product must have a clear business
owner identified and aligned.
 We propose modern development stack like Java,
Springboot, opensource tools for automation and
low code. In the event of any stack preferences
we would like to know upfront from the client.
 80% of the product development is carried at
offshore, so access, data clearance and other
logistics must be cleared off prior to the
engagement kick off.
 SME availability from client
side for user interviews,
knowledge transfers and
proposed architecture
review/consulting.
 Hardware/Software/Cloud
License Dependencies.
 Dependency on Client’s
Stakeholder Availability for
Periodic meetings.

25. QUESTIONS?
We are Listening……..

26. Thank you 