SaFi Bank Space : Loans

Created by Ján Borovský, last modified on Nov 25, 2022

Scope

Consumer loan origination
Consumer loan servicing processes (loan instalment deferral, etc)
Consumer loan related backoffice processes (instalments, collections, credit risk, credit line, ...)
Consumer loan related data

Overview

Service decomposition and external dependencies

Component	Description
Mobile App	Customer facing mobile banking app.
Backoffice Web App	Backoffice web application used by bank’s employees.
Loan Manager	Main micro-service in the Loans domain responsible for orchestration of activities, processes and data management within the domain.
Output Manager	All customer communication is managed by Output Manager. Loan Manager delegates the communication to Output Manager by providing relevant data to generate and deliver messages to customers.
Fraud Prevention Manager (Slacker)	Slacker evaluates risk of fraud according to the provided data. Based on the resulting risk score the Customer Managed will trigger step-up authentication, approve or reject the operation.
Product Manager	Loan Manager delegates evaluation of business rules related to the customer’s subscriptions to the Product Manager.
Loan Calculation Engine	Business logic relevant for calculation of instalment schedules and other loan product specific logic which will not be implemented in TM Valut’s smart contracts.
Product Catalogue	Business logic relevant for evaluation of suitable loan products.
TM Vault Access	Client library responsible for technical aspects of communication with TM Vault.
TM Vault	Core banking system.
Collections GW	Gateway service responsible for integration with the Collections system.
Collections System	External system responsible for the collections processes.
Advance AI	External system responsible for credit risk scoring of customers.
Advance AI GW	Gateway service responsible for integration with the AdvanceAI system.
AdvanceAI Access	Client library responsible for technical aspects of communication with AdvanceAI GW.
Temporal.io Access	Client library responsible for technical aspects of communication with the workflow engine’s Temporal.io server (e.g. WorkflowClient, etc).
Workflows (Temporal.io Server)	Data store dedicated to the persistence of workflow definitions and workflow instances. The Temporal.io client stores and executes workflow definitions. It has access to resources of the loan-manager during execution.
Audit Log Events	Account Manager publishes audit relevant events to be stored by Audit Log.
Loan Events	Events representing significant activities realized by the Loans domain are published to the corresponding topics.
Customer Manager	Loan Manager queries customer profile data provided by Customer Manager.
Loan Access	Client library responsible for technical aspects of communication with the Loans data store (e.g. JDBC Repository).
Loans	Data store dedicated to the persistence of loan related data.
Scheduler	Central scheduler will be responsible for triggering of planned or recurring activities realized by Customer Manager.