Digital Lending On Azure

✅ Digital Lending Platform – End-to-End Architecture (Java + Microservices + Azure)

🎯 Core Business Capabilities

1. Customer Onboarding & KYC

2. Loan Application & Eligibility

3. Credit Scoring & Risk Assessment

4. Loan Approval & Disbursement

5. Repayment & Collection Management

6. Customer Support & Notifications

7. Audit, Compliance, and Reporting

🧱 High-Level Architecture Overview

+-------------------------+

| Frontend (Web/Mob) |

| React / Angular / Vue |

+-----------+-------------+

|

▼

+------------+-------------+

| API Gateway (Azure APIM) |

+------------+-------------+

|

+-------------------+----------------------+

| | |

▼ ▼ ▼

+---------+ +-----------+ +---------------+

| Onboard | | Loan Mgmt | | Credit Engine |

| Service | | Service | | Service |

+---------+ +-----------+ +---------------+

| | |

▼ ▼ ▼

+-----------------------------+ +-----------------------+

| KYC/AML Service (3rd Party) | | Credit Score APIs |

+-----------------------------+ +-----------------------+

... additional microservices: Payment, Notification, Audit, etc.

▼ ▼ ▼

+--------------------------------------------+

| Service Mesh / API Gateway |

| (Dapr / Istio / Azure API Mgmt) |

+------------------+-------------------------+

|

▼

+-------------------------------+

| Azure Kubernetes |

| Service (AKS) |

+-------------------------------+

▼ ▼

+-------------------+ +-----------------------+

| Azure PostgreSQL | | Azure Cosmos DB |

+-------------------+ +-----------------------+

▼ ▼

+---------------------+ +---------------------+

| Azure Service Bus | | Azure Event Grid |

+---------------------+ +---------------------+

▼ ▼

+---------------------+ +----------------------+

| Azure Logic Apps | | Azure Functions |

| (for workflows) | | (for reactive tasks) |

+---------------------+ +----------------------+

▼

+---------------------------------------------+

| Azure Monitor + App Insights + Log Analytics |

+---------------------------------------------+

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## 🔧 **Technology Stack**

### **Backend**

- Java 17, Spring Boot 3.x, Spring Cloud

- Spring Security + OAuth2 (Azure AD B2C for IAM)

- OpenAPI / Swagger for documentation

- Apache Kafka / Azure Event Hubs for event-driven flow

- REST & gRPC for internal APIs

### **Frontend**

- React.js / Angular

- Azure Static Web Apps or App Services for deployment

### **Microservices Infrastructure**

- Azure Kubernetes Service (AKS)

- Azure API Management

- Azure Service Bus (async comms)

- Azure Redis (caching)

- Azure Key Vault (secrets)

### **Data Storage**

- Azure PostgreSQL / MySQL (relational data)

- Azure Cosmos DB (NoSQL, unstructured)

- Azure Blob Storage (docs/images)

### **AI/ML Integration**

- Azure OpenAI for eligibility scoring assistant or fraud detection

- Azure ML for risk profiling / predictive modeling

### **Security & Compliance**

- Azure AD B2C (Identity & Access)

- Azure Key Vault (secret mgmt)

- Azure Policy / Defender for Cloud

- Role-based Access Control (RBAC)

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## 📊 **DevOps & CI/CD**

- Azure DevOps / GitHub Actions

- Dockerized microservices

- Helm charts for AKS deployment

- SonarQube, Checkmarx, Fortify (for code quality & security)

---

## 🛡️ **Observability**

- Azure Monitor + App Insights

- ELK Stack or Grafana (optional)

- Distributed tracing via OpenTelemetry

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## ⚙️ **Compliance**

- Support for **RBI Guidelines**, **ISO 27001**, **PCI DSS**

- Logs stored in **immutable storage**

- PII encrypted using **Azure Key Vault keys**

---

## 🚀 Optional Enhancements

- **Chatbot Loan Assistant** using Azure OpenAI + Spring AI

- **Self-service analytics** with Power BI Embedded

- **Multi-tenant support** via partitioned microservices

---

Would you like me to:

- Generate **architecture diagrams**?

- Create a **PowerPoint deck**?

- Share a **Spring Boot starter repo** for the microservices?

🔧 Technology Stack ### Backend - Java 17, Spring Boot 3.x, Spring Cloud - Spring Security + OAuth2 (Azure AD B2C for IAM) - OpenAPI / Swagger for documentation - Apache Kafka / Azure Event Hubs for event-driven flow - REST & gRPC for internal APIs ### Frontend - React.js / Angular - Azure Static Web Apps or App Services for deployment ### Microservices Infrastructure - Azure Kubernetes Service (AKS) - Azure API Management - Azure Service Bus (async comms) - Azure Redis (caching) - Azure Key Vault (secrets) ### Data Storage - Azure PostgreSQL / MySQL (relational data) - Azure Cosmos DB (NoSQL, unstructured) - Azure Blob Storage (docs/images) ### AI/ML Integration - Azure OpenAI for eligibility scoring assistant or fraud detection - Azure ML for risk profiling / predictive modeling ### Security & Compliance - Azure AD B2C (Identity & Access) - Azure Key Vault (secret mgmt) - Azure Policy / Defender for Cloud - Role-based Access Control (RBAC) --- ## 📊 DevOps & CI/CD - Azure DevOps / GitHub Actions - Dockerized microservices - Helm charts for AKS deployment - SonarQube, Checkmarx, Fortify (for code quality & security) --- ## 🛡️ Observability - Azure Monitor + App Insights - ELK Stack or Grafana (optional) - Distributed tracing via OpenTelemetry --- ## ⚙️ Compliance - Support for RBI Guidelines, ISO 27001, PCI DSS - Logs stored in immutable storage - PII encrypted using Azure Key Vault keys --- ## 🚀 Optional Enhancements - Chatbot Loan Assistant using Azure OpenAI + Spring AI - Self-service analytics with Power BI Embedded - Multi-tenant support via partitioned microservices --- Would you like me to: - Generate architecture diagrams? -