ABC Bank Digital Lending Transformation Case Study

📌 ABC Bank Digital Lending Transformation Case Study

Enterprise Architect: You Customer: Amit R Builder: Prestige Group

1. Enterprise Strategy

• Vision: End-to-end digital lending platform enabling seamless onboarding, loan evaluation, disbursement, and servicing with compliance and resilience.

• Strategic Themes:

  1. Cloud-native microservices (replace legacy EJB, Oracle Forms, PL/SQL).

  2. DevOps + DevSecOps for faster, secure delivery.

  3. Integration with ecosystem partners (Fenergo, Actimize, Experian, FIU-IND, RBI).

  4. AI/GenAI adoption (Banking Advisor, fraud detection).

  5. Risk, security, governance built in across every hop.

2. Business–IT Alignment

• Business Needs: Faster disbursals, compliance, superior CX, fraud reduction.

• IT Enablement: Microservices, API-first, cloud adoption, automation, ML/GenAI.

• KPIs: TAT reduced by 60%, compliance audit scores >98%, fraud detection accuracy 95%, NPA reduction by 20%.

3. Legacy Modernization Approach

1. EJB → Spring Boot Microservices

   • Use automated code migration tools (e.g., IBM Mono2Micro, Modern Systems) to analyze dependencies and auto-generate Spring Boot skeletons.

2. PL/SQL Stored Procedures → Microservices

   • Extract business logic, refactor into Java microservices with JPA/Hibernate.

   • Wrap remaining DB logic as REST APIs.

3. Proc*C Batch Jobs → Spring Batch

   • Modernize to Spring Batch/Quartz jobs for loan settlement, compliance file processing.

   • Containerize in AKS for scalability.

4. Oracle Forms → Angular/React

   • Use UI modernization tools (e.g., OpenLegacy, AuraPlayer) to auto-generate Angular components.

   • Gradually decommission forms.

4. DevOps & DevSecOps Pipeline

• CI/CD: Azure DevOps Pipelines → build, test, deploy microservices into AKS.

• DevSecOps Controls:

  • SAST (SonarQube, Checkmarx).

  • DAST (OWASP ZAP, Burp Suite).

  • SCA (dependency scanning).

  • Secrets Mgmt: Azure Key Vault.

  • Policy Enforcement: OPA, Azure Policy.

• Observability: ELK, Prometheus, Grafana for logs/metrics/traces.

• Blue/Green Deployments for risk-free rollouts.

5. End-to-End Lending Journey (with integrations)

(Summarized, since you already have this in detail)

1. Onboarding & Identity: Azure AD + SailPoint.

2. KYC/EDD/CDD: Fenergo API.

3. Credit & Fraud: CIBIL/Experian + Experian Hunter + Actimize AML.

4. Loan Origination: Rule engine + manual/auto workflows.

5. Builder (Prestige) Collaboration: Builder portal microservice.

6. Compliance Reporting: Batch → SFTP → Actimize ETL → CTR/STR/NTR/CBWR → FIU-IND.

7. Disbursement: Escrow account integration with CBS.

8. Customer Advisory: GenAI Banking Advisor (FAQ, repayment, cross-sell).

6. Capability → Service → Application Mapping

Capabilities → Services → Applications

• Onboarding & KYC → Customer Onboarding Service → Fenergo + Portal.

• Identity Governance → Access Control Service → SailPoint + Azure AD.

• Risk & AML → AML Service → Actimize.

• Credit & Fraud → Credit Bureau Service → Experian/CIBIL APIs + Hunter.

• Compliance Reporting → Reporting Service → ETL + FIU-IND portal.

• Loan Disbursement → Payments Service → Core Banking + Escrow Mgmt.

• Customer Advisory → Advisory Service → GenAI Chatbot.

7. Top-50 Enterprise Risks (with Owner & Mitigation)

A. Business Risks

1. Loan disbursal delays → Owner: Business Head → STP + SLA alerts.

2. High NPAs → Risk Team → ML-based early warning.

3. Customer dissatisfaction → CX Lead → Omni-channel portal + GenAI Advisor.

4. Non-compliance fines → Compliance Head → Automated regulatory reporting.

5. Market competition → CIO/CTO → Continuous innovation roadmap.

B. Technology Risks

6. API downtime → IT Ops → Multi-region deployment, retries.

7. Container failure → DevOps Lead → AKS auto-healing.

8. Legacy migration delays → Modernization Lead → Phased roadmap.

9. Tool lock-in → EA → Multi-cloud readiness.

10. Data loss → DBA → Backup & replication.

C. Application Risks

11. Monolithic coupling → App Lead → Strangler pattern.

12. Poor test coverage → QA Lead → Shift-left, automation.

13. Hard-coded rules → BA/EA → Rules engine adoption.

14. Insecure APIs → Security Lead → API gateway + OAuth.

15. Inconsistent UX → UI Lead → Angular framework + design system.

D. Data Risks

16. PII exposure → CISO → Encryption, tokenization.

17. Poor data quality → Data Steward → Master Data Mgmt.

18. Fraudulent data entry → Risk Lead → Actimize + Hunter integration.

19. Inaccurate reporting → Compliance → Automated ETL validation.

20. Data silos → Data Architect → Data lake consolidation.

E. People Risks

21. Skill gaps → HR/Training → Continuous upskilling.

22. Key person dependency → PMO → Knowledge transfer, docs.

23. Resistance to change → Change Mgmt Lead → OCM program.

24. Insider threat → CISO → SailPoint governance + SoD.

25. Poor collaboration → EA → Agile ceremonies + stakeholder mgmt.

F. Process Risks

26. Manual approvals → Ops → Workflow automation.

27. Incomplete audit trails → Compliance → Central logging.

28. Process bottlenecks → BA → Lean Six Sigma.

29. Lack of monitoring → Ops Lead → Real-time dashboards.

30. Ineffective DR drills → IT Ops → Regular failover tests.

G. Integration Risks

31. Fenergo downtime → Vendor Manager → Backup KYC API.

32. Actimize latency → Risk IT → Async queue + retries.

33. Experian/CIBIL unavailability → Risk Lead → Multi-bureau fallback.

34. SFTP batch job failures → Ops Lead → Checksum + retries.

35. ETL corruption → Data Lead → Data validation framework.

H. Partner/Vendor Risks

36. Vendor SLA breach → Vendor Mgmt → Penalty clauses.

37. Over-reliance on Fenergo → EA → Alternative RegTech evaluation.

38. Actimize version lag → Risk Lead → Roadmap alignment.

39. Experian pricing change → Procurement → Multi-vendor strategy.

40. Builder (Prestige) doc delays → Business Lead → Builder portal SLAs.

I. Security Risks

41. Phishing attacks → CISO → Email security + awareness.

42. Credential theft → IAM Lead → MFA, RBAC, SailPoint SoD.

43. API exploitation → Security Lead → WAF, rate-limiting.

44. Data exfiltration → SOC → DLP, anomaly detection.

45. Insider fraud → Risk & CISO → SailPoint + Actimize synergy.

J. Governance & Compliance Risks

46. Non-RBI compliance → Compliance Head → RBI reporting automation.

47. FIU-IND late reporting → Compliance → Automated ETL scheduler.

48. GDPR/DPDP Act breach → CISO → Data masking, anonymization.

49. Weak governance → EA → EA Review Board + architecture governance.

50. Lack of audit readiness → Compliance Head → Continuous audit logs.

8. RACI Matrix (Expanded)

(Example, extended from earlier)

Area	Responsible	Accountable	Consulted	Informed
Strategy Roadmap	EA	CIO/CTO	Business Heads	CXOs
Legacy Modernization	Modernization Lead	EA	App Teams	Ops
DevOps Pipeline	DevOps Lead	CTO	Security	QA
Identity Governance	IAM Lead	CISO	EA	IT Ops
KYC/AML (Fenergo/Actimize)	Risk IT Lead	CRO	EA, Vendor	Compliance
Fraud/Credit	Risk Team	CRO	EA	Business
Compliance Reporting	Compliance Lead	CRO	EA	RBI, FIU-IND
Disbursement	Ops Lead	CFO	EA, Risk	Builder, Customer
Security/DevSecOps	CISO	CIO	EA, Security Team	All Teams

9. Governance

• Architecture Review Board: Monthly reviews of architecture decisions.

• Azure Policy + OPA: Continuous compliance enforcement.

• DevSecOps Gating: Security checks as part of CI/CD.

• Audit & Reporting Layer: End-to-end logging with immutability.

  
  

✅ This is now a complete Enterprise Architect case study that proves you’ve:

• Defined enterprise strategy & roadmap.

• Handled business-IT alignment.

• Driven legacy modernization.

• Built DevOps + DevSecOps frameworks.

• Covered capability → service → application mapping.

• Evaluated and integrated partner technologies.

• Created a Top-50 risk register with owners + mitigations.

• Defined governance & RACI.