The Banking-as-a-Service Platform
I'm
here
Director of Software Eng
The Banking-as-a-Service Platform
..., I took on what seemed like a crazy challenge: initiating a complete overhaul of our Core Banking System. Xpollens was already experiencing rapid growth at the time. It's like proposing heart surgery to a star striker in the middle of the Euro final.
Jean Guillaume, CEO @ Xpollens
API Gateway
Transactions Systems
Transfer Payment
Systems
Cards Payment Systems
Database
/api/v1.0/
Statements Systems
Accounting
Systems
Text
API Gateway
Transfer Payment
Systems
Cards Payment
Systems
/api/v1.0/
Adapter
Transactions Systems
Database
Statements Systems
Accounting
Systems
Text
API Gateway
/api/v1.0/
Cards Payment Systems
New
Cards Payment Systems
Transfer Payment
Systems
New
Transfer Payment
Systems
Adapter
Transactions Systems
Database
Statements Systems
Accounting
Systems
Text
API Gateway
/api/v1.0/
Cards Payment Systems
New
Cards Payment Systems
Transfer Payment
Systems
New
Transfer Payment
Systems
Adapter
Transactions Systems
Database
Statements Systems
Accounting
Systems
Text
/api/v2.0/
API Gateway
/api/v1.0/
New
Cards Payment Systems
New
Transfer Payment
Systems
Payment Decision System
Adapter
/api/v2.0/
Accounting software
Legacy Systems
API Gateway
/api/v1.0/
New
Cards Payment Systems
New
Transfer Payment
Systems
Payment Decision System
/api/v2.0/
Accounting software
Targetization In this phase, new systems that match their legacy counterparts are developed and connected to the adapter.
Double Run
The new systems are operating alongside the legacy systems in production, with the legacy systems serving as the master.
Go live
A switch will activate the new systems as the master once all green lights are received.
Squad | Work Packages |
---|---|
ATM | Build the adapter Build PDS, Setup Accounting Software |
Cards | Connect to the adapter Build New Cards Payment System Build V2 endpoints for Cards Payment |
POP | Connect to the adapter Build New Transfers Payment System Build V2 endpoints for Transfer Payment |
2. Build new payment systems and connect them to the adapter
1. Build the adapter
3. Build PDS
4. Setup the accounting software
5. Validate operational readiness and Go Live
2. Build new payment systems and connect them to the adapter
1. Build the adapter
3. Build PDS
4. Setup the accounting software
5. Validate operational readiness and Go Live
ATM
ATM
ATM
FF
One meeting can save you a thousand lines of code ... One line of code can save you a thousand meetings
– Random wise guy
A distributed transaction in a microservices architecture ensures that operations across multiple services either all succeed or all fail, maintaining data consistency across the platform. If one service has a problem, everything rolls back to keep the platform consistent.
API Gateway
/api/v1.0/
New
Cards Payment Systems
New
Transfer Payment
Systems
Payment Decision System
/api/v2.0/
Acounting software
Cards & POP teams view
ATM team view
Xpollens platform view
Operational readiness goes beyond simply testing software and ensuring it meets acceptance criteria. It involves a holistic approach that includes not only the functionality and stability of the product but also its integration into the broader ecosystem of the organization
Department | Responsability |
---|---|
Inf. Technology | Testing software |
Customer Success | Beta testing with key partners |
Banking Back Office | Alignment with operational workflows |
Finance | Impact on reporting accuracy |
Compliance | Regulatory standards are met |
14 months of work, 7 new microservices, 16 new recruits, 19 legacy systems decom, ... 33 min of downtime to switched off the old platform with confidence and had no incidents in production.