EA in Loan processing System

🏦 Enterprise Architect Role in Loan Processing System Modernization

(Microservices + Azure Cloud)

🧭 1. Preliminary Phase: Vision and Assessment

Responsibility	Description
Understand Business Drivers	Align with business on goals: faster loan approvals, real-time decisioning, compliance, fraud prevention, multi-channel integration.
Assess Legacy System	Analyze existing loan modules (monolith or vendor-driven), integrations (CBS, LOS, LMS), bottlenecks (manual processing, batch jobs).
Stakeholder Mapping	Identify key stakeholders: credit risk, operations, underwriting, compliance, IT, InfoSec, customer service.
Define Modernization Vision	"Deliver a modular, scalable, API-first loan platform leveraging event-driven microservices on Azure for agility and resilience."
Baseline Capability Map	Core capabilities: Application Intake, KYC, Credit Score, Risk Evaluation, Agreement Generation, Disbursement, Fraud Detection.

🚀 2. Initiation Phase: Strategy and Roadmap

Responsibility	Description
Define Modernization Roadmap	Break down delivery: KYC & Intake → Risk & Scoring → Agreements → Disbursement → Analytics.
Prioritize Quick Wins	Start with services like Credit Score, KYC that are loosely coupled.
SaaS & Cloud Strategy	Azure-first, containerized deployment via AKS, with support for active-active setup across regions.
Target KPIs	Approval TAT < 1hr, Uptime > 99.9%, Fraud detection latency < 5s, NPA prediction > 90% accuracy.

📐 3. Planning Phase: Architecture Blueprint and Standards

Responsibility	Description
Microservices Decomposition	Services: LoanIntakeService, KYCService, CreditScoreService, LoanEvaluationService, AgreementService, DisbursementService, FraudService, NotificationService.
Event-Driven Architecture	Use Kafka on Azure (via Confluent or HDInsight) for decoupled event processing across stages.
Service Registry & API Gateway	Use Spring Cloud Gateway + Azure API Management (APIM).
Tenancy & Multi-Channel Strategy	APIs to support digital, branch, call center channels.
Database Strategy	Azure SQL + CosmosDB per service with CQRS where needed.
Security	Azure AD, RBAC/ABAC, OAuth2, Key Vault, network security groups (NSGs), VNet injection for AKS.
DevSecOps	GitHub Actions / Azure DevOps, security gates (Snyk, Trivy), IaC via Bicep/Terraform, DAST/SAST scanning.
Schema Management	Flyway/Liquibase integrated into CI pipelines for each service.

🛠️ 4. Execution Phase: Delivery Enablement

Responsibility	Description
Solution Design Reviews	Evaluate each service’s HLD/LLD for consistency, scalability, data handling.
Integration Flow Realization	Example: KYC completion → triggers Credit Score event → feeds Loan Evaluation → results go to Agreement & Notification.
Observability Stack	Logs via ELK, metrics via Prometheus/Grafana, traces via Jaeger/Zipkin, alerts into Azure Monitor.
AKS Deployment Strategy	Dev → UAT → Staging → Prod via blue-green or canary releases.
CI/CD Orchestration	Build, scan, test, deploy microservices individually with rollback support.

🔐 5. Governance, Risk, and Compliance

Responsibility	Description
Architecture Governance	Review cloud cost estimates, Azure services compliance (e.g., data at rest, encryption standards).
Loan Process Flow Governance	Approval SLAs, decision matrices, audit logging of changes and status per loan stage.
Compliance Adherence	RBI, SEBI, and internal audit needs mapped to service logs, user actions, and encryption mandates.
Risk Registry	Maintain RAID log with mitigation (e.g., fallback to manual for scoring service failure, replay mechanism for Kafka).

📘 6. Standards, Guidelines & Principles

Area	Examples
Design Standards	12-factor apps, domain-driven design, interface segregation, API versioning.
Data Handling	PII masking, tenant-level encryption, real-time backup, audit logs.
API Practices	Use Swagger/OpenAPI, consumer contract testing (Pact), standard HTTP status codes.
Microservices Resilience	Retry, timeout, bulkhead, circuit breaker using Resilience4j.
DevSecOps Guidelines	Include unit, integration, contract, performance tests in CI; use OWASP ZAP or Burp Suite in CD.
SRE Readiness	Define SLAs, SLOs, SLIs per service; budget for error rate and latency SLIs.

📌 Sample Architecture Flow

1. User submits loan application from mobile app →

2. LoanIntakeService receives request → emits event to Kafka loan.initiated →

3. KYCService consumes, validates KYC, emits kyc.verified →

4. CreditScoreService fetches score from CIBIL, emits credit.scored →

5. LoanEvaluationService makes decision → emits loan.approved or loan.rejected →

6. AgreementService generates agreement →

7. DisbursementService transfers funds →

8. NotificationService alerts customer via email/SMS →

9. DashboardService (WebSocket + Kafka consumer) updates Ops dashboard in real-time.

✅ Expected Outcomes of EA Involvement

Value Delivered	Outcome
Faster Loan Approvals	Reduced TAT from 24 hrs → <1 hr
Improved Observability	Real-time monitoring of each loan stage
Tenant Scalability	New branches/banks onboarded in hours
Reduced Downtime	Active-active DR setup with zero data loss
Audit & Regulatory Compliance	Logs, encryption, and SLAs for every step

✅ Top 50 Business Outcomes – LPIs – Risks Table

#	Business Outcome	Linked Performance Indicators (LPIs)	Category	Risk	Priority	Owner	Mitigation Plan
1	Reduce loan approval time to < 2 hours	Avg. processing time	Process	Manual review bottlenecks	High	Ops Head	Automate approvals with rule engines
2	Increase KYC accuracy to 99%	KYC match score	Technology	Poor OCR performance	High	Tech Lead	Improve OCR model, fallback to manual KYC
3	Reduce fraud by 95%	# Fraudulent transactions caught	Security	Unusual pattern detection lag	Critical	CISO	Integrate ML fraud detection, Kafka alerting
4	Improve system uptime to 99.99%	Uptime %, MTTR	Infra	AKS node failure	Critical	Infra Lead	Auto-scale, zonal clusters, probes
5	Comply with RBI & SEBI data regulations	Audit logs, Compliance score	Compliance	Missing logs or encryption gaps	Critical	Compliance Officer	Central logging, encryption via Azure Key Vault
6	Seamless onboarding experience	Drop-off rate	UX/Process	Multi-step forms fatigue	Medium	Product Owner	Simplify UI, progressive onboarding
7	Improve credit risk scoring	Credit score variance	Business	Inaccurate external credit feeds	High	Risk Officer	Retry logic, caching, secondary scoring models
8	Enable real-time dashboards	Dashboard refresh rate	Technology	Websocket disconnects	High	Frontend Lead	Heartbeat monitoring, reconnect logic
9	Reduce deployment rollback rate	# Rollbacks / month	DevOps	Poor canary validation	High	DevOps Manager	Implement blue/green + Istio traffic shifting
10	Increase multi-tenant adoption	# Active tenants	Business	Tenant-specific config issues	Medium	SaaS Ops	Use config server, tenant registry
11	Deliver 100% auditability	% Events audited	Governance	Missing Kafka events	High	Governance Lead	Kafka topic versioning, DLQ handling
12	Protect PII data at rest	Encryption compliance %	Security	Blob data not encrypted	Critical	Security Engineer	Enforce KeyVault-backed storage accounts
13	Improve approval conversion rate	Loan approval %	Business	High rejection due to manual error	High	Ops Lead	Rule-based filtering, feedback loops
14	Decrease operational cost by 20%	Monthly infra cost	Infra	Over-provisioned AKS nodes	Medium	Infra Lead	Azure AutoScaler, rightsizing
15	Improve SLA compliance to 98%	SLA adherence %	Operations	Unpredictable Kafka lag	High	Platform Lead	Monitor partitions, rebalance, scale consumer group
16	Maintain 100% disaster recovery readiness	DR drills passed	Infra	Region outage	Critical	Infra Manager	Geo-redundant Kafka, backup cluster
17	Increase observability coverage to 100%	Service health coverage	Technology	Missing traces/logs	High	SRE	Use OpenTelemetry, ELK, Prometheus
18	Scale to 1M concurrent users	Peak concurrent user count	Infra	AKS ingress overload	Critical	Cloud Architect	Azure Front Door + App Gateway autoscale
19	Reduce customer support tickets	# Support tickets	People	Misaligned FAQ and UX	Medium	CX Lead	In-app help, NLP chatbot
20	Reduce loan default rate	NPA ratio	Business	Weak eligibility model	High	Risk Manager	Retrain model monthly, use multi-agent scoring
21	100% real-time status updates	Push notification delivery %	Technology	Kafka/Websocket disconnections	High	Messaging Engineer	Kafka retention tuning + WS auto-reconnect
22	Ensure clean CI/CD pipeline	Build pass %, Deployment duration	DevOps	Broken builds, slow pipelines	Medium	DevOps Lead	Azure DevOps YAML pipelines, gates
23	Improve audit resolution time	Avg. audit response duration	Governance	Disconnected audit trails	High	Compliance Lead	Correlation ID across all events
24	Secure APIs with OAuth + Azure AD	API access control %	Security	Token leak / insecure API	Critical	Security Lead	OAuth2.0, scopes, throttling
25	Improve agent productivity	Avg. case closure time	People	Poor dashboard performance	Medium	Ops Manager	Angular lazy loading, backend pagination
26	Detect loan fraud proactively	# Proactive flags	Security	Delayed Kafka fraud alerts	Critical	AI/ML Lead	Use stream processor w/ alert threshold
27	Ensure tenant isolation	% tenant boundary checks passed	Tech/Infra	Shared DB/table access	Critical	Platform Architect	Multi-schema design or schema-per-tenant
28	Improve LTV (Lifetime Value)	Avg. revenue / customer	Business	Lack of upsell mechanisms	Medium	Product Manager	Recommendation engine
29	Reduce code defects in prod	Bug rate	Tech	Lack of contract testing	High	QA Lead	Pact contract tests, TestContainers
30	Maintain data lineage for all entities	% Entities traceable	Governance	Data transformations untracked	High	Data Steward	Use metadata service, data catalogs
31	Compliance with SEBI circulars	Circular implementation %	Compliance	Late awareness of new rules	High	Regulatory Officer	Monthly compliance board + alerts
32	Accurate daily loan disbursement reports	Report accuracy	Process	Delayed data aggregation	High	Reporting Lead	Kafka + OLAP-based near real-time analytics
33	Achieve SSO across all apps	SSO success rate	People	Incorrect Azure AD configuration	Medium	IAM Admin	Proper scope mapping, app registration
34	Enable active-active deployment	DR % Sync	Infra	Config mismatch across regions	High	Infra Engineer	Use centralized config, blue/green deploy
35	Improve recovery from failure	MTTR	Ops	No auto-heal for Kafka lag	High	SRE	Kafka lag monitor, Istio retry logic
36	Ensure test coverage > 85%	Code coverage %	Tech	Unstable tests in CI	Medium	QA Lead	Enforce coverage gates, parallel test runners
37	Deliver zero-downtime deployments	Downtime minutes	DevOps	Long DB migration time	High	DB Admin	Flyway/Liquibase + phased rollout
38	Ensure GDPR compliance	PII access audit score	Compliance	Untracked user data deletion	Critical	DPO	Data access logs, purge scripts
39	Increase partner integration	# APIs consumed by partners	Business	Unstable partner APIs	Medium	Partner Manager	SLA contracts, fallback retries
40	Secure Kafka with RBAC and TLS	Auth coverage	Security	Unencrypted internal traffic	High	Kafka Admin	mTLS on Kafka brokers, ACLs
41	Track all user behavior	Event coverage	Analytics	Missing UI interaction events	Medium	Analytics Lead	Add event tracking hooks
42	Reduce app load time < 2s	Page load time	UX	Slow backend APIs	High	Frontend Lead	Cache layer, backend profiling
43	Onboard new tenants in < 1 week	Avg. onboarding time	Business	Manual steps in tenant setup	Medium	SaaS Ops	Tenant provisioning pipeline
44	Maintain consistent naming conventions	Conformance %	Governance	Teams diverging on standards	Medium	Arch Lead	Coding guideline document, PR checks
45	Prevent underage loan applications	Invalid app %	Process	No DOB validation	High	Product Owner	Strict schema + UI + API validations
46	Sync UI and backend deployments	Deployment sync %	Tech	UI version mismatch	Medium	DevOps	Version pinning, API versioning
47	Avoid credit bureau throttling	# Failures from bureaus	External	Rate limits exceeded	High	External API Manager	Circuit breakers, backoff logic
48	Maintain data freshness in dashboard	Staleness window (sec)	Technology	Kafka lag in reporting topic	High	Analytics	Kafka topic TTL tuning
49	Enable automated interest recalculations	Calc accuracy %	Finance	Stale interest rates	High	Finance Product Lead	Rate sync scheduler
50	Ensure loan document e-signature completion	E-sign success rate	Legal	Email delivery issues	Medium	Legal Tech	SMS fallback, DocuSign webhook retry

🔁 Event-Driven Architecture with Kafka:

Event Trigger	Microservice	Action
User submits loan application	LoanIntakeService	Publishes loan.initiated event to Kafka
loan.initiated	KYCService	Performs customer KYC → emits kyc.verified
kyc.verified	CreditScoreService	Fetches CIBIL/Experian score → emits credit.scored
credit.scored	LoanEvaluationService	Evaluates loan eligibility → emits loan.evaluated (approved/rejected)
loan.evaluated (if approved)	AgreementService	Generates digital agreement and stores
loan.evaluated (if rejected)	NotificationService	Sends rejection notice
agreement.generated	DisbursementService	Initiates disbursement → emits loan.disbursed
Any major event	DashboardService	Subscribes to Kafka topics → pushes updates via WebSocket to UI
All services	Kafka Topics (e.g. kyc.verified, credit.scored, loan.evaluated)	Used for audit, analytics, and retry mechanisms

📌 Kafka Topics Example

bash

CopyEdit

loan.initiated → kyc.verified → credit.scored → loan.evaluated → agreement.generated → loan.disbursed

🧠 Why This Matters

• ✅ Loose coupling of services

• ✅ Enables asynchronous processing

• ✅ Supports real-time updates to dashboards

• ✅ Improves resilience via message replay in case of failure

🔄 Loan Processing System — Event-Driven Sequence Flow (Text Version)

1. LoanIntakeService

• Action: User submits a loan application via REST API or frontend.

• Operation: Validates application, stores initial loan request.

• Kafka Output: Publishes loan.initiated event with applicant details and loan metadata.

2. KYCService

• Trigger: Subscribes to loan.initiated topic.

• Action: Performs customer KYC (Aadhaar/PAN validation, document OCR, fraud checks).

• Operation: If successful, updates customer profile.

• Kafka Output: Publishes kyc.verified event.

3. CreditScoreService

• Trigger: Subscribes to kyc.verified topic.

• Action: Invokes third-party APIs (like CIBIL or Experian) to fetch credit score.

• Operation: Stores score with metadata.

• Kafka Output: Publishes credit.scored event (includes score, status).

4. LoanEvaluationService

• Trigger: Subscribes to credit.scored topic.

• Action: Applies business rules or ML model to evaluate loan eligibility.

• Outcome:

  • If approved → emits loan.evaluated event with status approved.

  • If rejected → emits loan.evaluated event with status rejected.

5. LoanAgreementService

• Trigger: Subscribes to loan.evaluated topic where status = approved.

• Action: Generates digital loan agreement (PDF, e-sign integration).

• Kafka Output: Publishes agreement.generated event.

6. LoanDisbursementService

• Trigger: Subscribes to agreement.generated topic.

• Action: Triggers disbursement via core banking or payment gateway APIs.

• Kafka Output: Publishes loan.disbursed event.

7. NotificationService

• Trigger:

  • loan.evaluated where status = rejected → send rejection SMS/email.

  • loan.disbursed → send confirmation with disbursement info.

• Action: Publishes alerts to customers via email/SMS.

8. DashboardService (WebSocket Integration)

• Trigger: Subscribes to all major Kafka events (loan.initiated, kyc.verified, credit.scored, etc.)

• Action: Pushes real-time status updates to frontend (React or Angular) via WebSocket.

• Outcome: Real-time customer dashboard or internal ops dashboard.

9. AuditService

• Trigger: Subscribes to all Kafka topics (CDC style).

• Action: Persists an immutable event log (event sourcing) for auditing, analytics, and reporting.

10. FraudDetectionService (Optional)

• Trigger: Subscribes to kyc.verified, credit.scored, loan.evaluated.

• Action: Runs anomaly detection (velocity checks, geo pattern detection).

• Outcome: May emit fraud.alerted → halt disbursement pipeline.

🔗 Kafka Topic Flow

markdown

loan.initiated

└─▶ kyc.verified

└─▶ credit.scored

└─▶ loan.evaluated

├─▶ agreement.generated

│ └─▶ loan.disbursed

└─▶ notification (if rejected)

🧭 Summary

Microservice	Trigger Event	Emits Event	Key Role
LoanIntakeService	User action	loan.initiated	Accepts and initiates loan application
KYCService	loan.initiated	kyc.verified	Validates identity/KYC
CreditScoreService	kyc.verified	credit.scored	Retrieves credit score
LoanEvaluationService	credit.scored	loan.evaluated	Approves or rejects loan
LoanAgreementService	loan.evaluated=approved	agreement.generated	Prepares digital loan agreement
LoanDisbursementService	agreement.generated	loan.disbursed	Transfers money to customer
NotificationService	loan.evaluated/rejected, loan.disbursed	-	Sends updates to customers
DashboardService	All above	WebSocket push	Shows real-time UI status updates
AuditService	All above	-	Maintains immutable event logs

🏗️ Architecture Overview

Microservices:

1. LoanIntakeService: Handles loan applications.

2. KYCService: Performs Know Your Customer verification.

3. CreditScoreService: Retrieves credit scores from external agencies.

4. LoanEvaluationService: Evaluates loan eligibility.

5. LoanAgreementService: Generates loan agreements.

6. LoanDisbursementService: Manages fund disbursement.

7. NotificationService: Sends notifications to users.

8. DashboardService: Provides real-time updates to the frontend via WebSockets.

   
   

Communication Flow:

• Services communicate asynchronously through Kafka topics.

• DashboardService consumes relevant Kafka topics and pushes updates to the frontend using WebSockets.

✅ Full-Scale Banking SaaS Loan Processing Architecture on Azure (Enterprise-Ready)

📌 1. Authentication & Authorization: Azure Active Directory (Azure AD)

• Frontend (Angular) integrates with MSAL (Microsoft Authentication Library) for SSO login.

• Spring Boot microservices use OAuth2 with Azure AD for token verification and role-based access control.

• AAD Roles: Customer, LoanOfficer, Underwriter, Admin, mapped to endpoints via @PreAuthorize.

Security Layer:

• OAuth2.0 JWT tokens from Azure AD

• Access control using Spring Security

• Role-based dashboards and APIs

🌐 2. Network & Infrastructure

🧭 Azure Virtual Network (VNet)

• Public Subnet: For Angular UI, API Gateway, Load Balancer

• Private Subnet: For AKS, Azure SQL, Kafka, NoSQL, internal services

🌍 Multi-Region HA (High Availability)

• Active-Active setup in East India and South India Azure regions

• Multi-AZ AKS clusters in each region

• Kafka MirrorMaker for replication across regions

• Azure Front Door or Azure Traffic Manager to route traffic

🔁 DR & Replication

• Azure Site Recovery for RTO/RPO objectives

• AKS backup via Velero or Azure Backup

• Cosmos DB Geo-replication enabled

☸️ 3. AKS (Azure Kubernetes Service) Deployment

Istio Service Mesh for:

• Traffic routing

• mTLS (zero-trust)

• Canary deployments

• Retry/failover

• Policy enforcement

Each microservice is containerized with Docker, deployed via Helm or Kustomize, and exposed through Istio Ingress Gateway.

📩 4. Kafka Integration via Azure

• Use Azure Event Hubs with Kafka protocol (enterprise-grade)

• Topics:

  • loan.applications, kyc.verified, credit.score.updated, loan.evaluation.done, loan.disbursed, etc.

• Kafka Streams for processing and aggregation

• Kafka consumers push to WebSocket or NotificationService

📊 5. Monitoring, Logging, and Observability

• Logs: ELK Stack (Filebeat + Logstash + Elasticsearch + Kibana)

• Metrics: Prometheus + Grafana dashboards for each microservice and Kafka topics

• Tracing: OpenTelemetry with Jaeger or Zipkin for distributed tracing

🗃️ 6. Data Layer per Microservice (Polyglot Persistence)

Microservice	DB Type	Azure Resource
KYCService	RDBMS	Azure SQL Database
CreditScoreService	NoSQL	Azure Cosmos DB
LoanEvaluationService	RDBMS + Blob	Azure SQL + Blob Storage
LoanAgreementService	Blob	Azure Blob Storage
NotificationService	NoSQL	Azure Table / Cosmos DB
DisbursementService	RDBMS	Azure SQL

• Flyway or Liquibase is used for schema versioning.

• All sensitive data is encrypted at rest and in transit (AES256, TLS 1.3).

🔒 7. SEBI & RBI Compliance

• Data Residency: All customer data stored in Indian Azure data centers.

• Audit Trails: Immutable logs stored in Azure Blob Archive Tier.

• Consent Management: APIs exposed for consent withdrawal, as per RBI guidelines.

• Encryption & Masking: PII masked; data encrypted with Azure Key Vault managed keys.

• Regulatory Reports: Auto-generated from ELK + Prometheus + Cosmos DB.

🔄 8. CI/CD with Azure DevOps

• CI Pipelines: Java + Angular build, test, sonar scan, Docker build

• CD Pipelines: Helm deployment to AKS clusters, Canary release via Istio

• Secrets: Managed via Azure Key Vault and injected using aad-pod-identity

📣 9. WebSocket Push to UI (Angular Dashboard)

• DashboardService listens to Kafka topics

• Pushes live updates via STOMP over WebSocket

• Angular uses @stomp/ng2-stompjs + SockJS

🧩 Key Features Summary

Feature	Technology
Authentication	Azure AD (OIDC / OAuth2)
Eventing & Messaging	Apache Kafka (Azure Event Hubs)
API Management	Azure API Management Gateway
Microservices Runtime	Spring Boot on AKS with Istio
Observability	ELK + Prometheus + Grafana
DevSecOps	Azure DevOps + Key Vault
Storage	Azure SQL, Cosmos DB, Blob
Security	mTLS, RBAC, Azure AD
Compliance	SEBI, RBI, GDPR
Scaling	AKS HPA + Cluster Autoscaler
Disaster Recovery	Multi-region replication, Velero, ASR

✅ High-Level Architecture – Loan Processing System

🔹 Key Components

• Frontend (Angular/React)

  • Customer Dashboard

  • Ops/Reviewer Dashboard

  • Real-time updates via WebSocket or SignalR

• Spring Boot Microservices (Deployed on AKS):

  1. LoanApplicationService

  2. KYCService

  3. CreditScoreService

  4. LoanEvaluationService

  5. ManualReviewService

  6. LoanAgreementService

  7. LoanDisbursementService

  8. NotificationService

  9. AuditService

  10. Common DTO/Event Module

• Kafka Topics (Events):

  • loan-application-submitted

  • kyc-check-completed

  • credit-score-evaluated

  • loan-decisioned

  • loan-decision-finalized

  • loan-agreement-signed

  • loan-disbursed

• Azure Services

  • AKS (Kubernetes Cluster)

  • Azure AD (Authentication & Authorization)

  • Azure PostgreSQL/MySQL (for microservices DB)

  • Azure CDN + Azure Front Door

  • Azure Monitor, Log Analytics

  • Azure Key Vault (Secrets, Keys)

  • Azure DevOps (CI/CD Pipelines)

• Service Mesh:

  • Istio for secure, observable, and managed microservice communication.

🔄 End-to-End Solution Flow (Text Version)

1. Loan Application Submission

• Customer applies via frontend.

• LoanApplicationService stores request & emits loan-application-submitted Kafka event.

• Event includes metadata like customer ID, loan type, amount, channel.

2. KYC Verification

• KYCService consumes loan-application-submitted, triggers verification (e.g., PAN + Aadhaar).

• After completion, it emits kyc-check-completed Kafka event.

3. Credit Score Evaluation

• CreditScoreService consumes kyc-check-completed.

• Calls external CIBIL/Experian API and emits credit-score-evaluated.

4. Loan Evaluation

• LoanEvaluationService consumes credit-score-evaluated.

• Uses rules engine (e.g., Drools) for auto-decisioning.

• Emits loan-decisioned (APPROVED/REJECTED/REVIEW_REQUIRED).

5. Manual Review (Optional)

• If REVIEW_REQUIRED, ManualReviewService picks it from event queue/UI.

• Reviewer inputs comments and emits loan-decision-finalized.

6. Agreement Signing

• LoanAgreementService triggered on APPROVED decision.

• Coordinates eSign/eMandate and emits loan-agreement-signed.

7. Loan Disbursement

• LoanDisbursementService listens to agreement event and initiates disbursement.

• Updates core banking and emits loan-disbursed.

8. Notification Service

• Subscribes to all events and pushes updates to UI via WebSocket (SignalR for Angular).

• Sends email/SMS if required.

9. Audit Service

• Listens to all events.

• Stores audit trail with headers like correlationId, timestamp, service name.

🔐 Security

• Azure AD integration for all service APIs (via OAuth2 + JWT).

• Role-based access for customer/ops/reviewer.

• Istio mTLS between services.

• Azure Key Vault for managing secrets/keys.

📈 DevOps & Observability

• CI/CD: Azure DevOps pipelines build Docker images, deploy to AKS.

• Monitoring: Prometheus + Grafana + Azure Monitor.

• Logging: ELK or Azure Log Analytics.

💡 Real-Time UI Updates

• WebSocket or SignalR connection to NotificationService.

• Backend emits updates on key Kafka events.

• UI dashboards reflect live status (e.g., "Loan Approved", "Disbursed", etc.).