EAP-to-BFSI Use Cases

🧩 Enterprise Architecture Patterns Mapped to BFSI Use Cases

🔐 1. Know Your Customer (KYC)

✅ Business Goals:

• Reduce onboarding time

• Ensure compliance (RBI, SEBI)

• Automate document verification

✅ Recommended Patterns:

Pattern	How it Helps
Microservices	Modularize OCR, validation, risk scoring, and PEP check as separate services
Event-Driven Architecture (EDA)	Asynchronous flow: doc upload → scan → verify → notify
API Gateway	Single entry for third-party KYC partners, internal apps
Zero Trust Security	Secures APIs and access to sensitive customer documents
Strangler Pattern	Migrate legacy KYC module to modern services gradually
Workflow Engine (Camunda)	Manages onboarding rules, approvals, escalations

🔧 Sample Components:

• Doc Scanner (microservice)

• Aadhaar/PAN validation API

• RPA bots for legacy system sync

• Kafka event: kyc.verified

🏦 2. Loan Origination & Processing

✅ Business Goals:

• Automate credit decisions

• Integrate with bureaus, banking APIs

• Reduce processing TAT

✅ Recommended Patterns:

Pattern	How it Helps
Domain-Driven Design (DDD)	Define clear contexts: Applicant, CreditScore, Underwriting, Disbursement
CQRS + Event Sourcing	Handle separate read/write loads; maintain loan lifecycle history
Orchestration & Choreography	Control vs. async communication between underwriting, docs, ops
Rule Engine (Drools)	Abstract credit policies, eligibility checks from code
API Gateway + Adapter Pattern	Interact with CIBIL, NSDL, bank statement parsers
Workflow Pattern	Multi-stage, with manual overrides and SLA tracking

🔧 Sample Components:

• Credit Bureau Adapter

• Loan Decision Engine (Drools)

• Workflow UI for Ops

• Audit Trail via Event Log

🤝 3. Dispute Management (for Payments/Transactions)

✅ Business Goals:

• Track and resolve disputes across payment rails (UPI, NEFT, IMPS)

• Reduce false claims and fraud

✅ Recommended Patterns:

Pattern	How it Helps
Event Sourcing	Maintain a complete immutable trail of transaction + dispute events
Micro Frontend	Custom views for Ops, Customer Support, Compliance
Saga Pattern (Coordination)	Manage rollback/compensation (e.g., refunds, reversals)
Shared Kernel (DDD)	Reuse Transaction domain across services while separating Disputes
Observability Pattern	Track SLAs, latency, failure points in dispute lifecycle

🔧 Sample Components:

• Dispute Intake API

• NLP Classifier for dispute category

• Ops Dashboard

• Compensating Service for failed settlements

📊 4. Investment Advisory (Digital Wealth Management)

✅ Business Goals:

• Offer robo-advisory and human advisory integration

• Personalize recommendations based on KYC, risk, goals

✅ Recommended Patterns:

Pattern	How it Helps
AI Integration Layer (via API Gateway)	Connect GenAI-based recommendation engine with customer profile
Data Mesh	Each product (MF, FD, Equity) owns its data domain as a product
Multi-Tenant SaaS Pattern	Serve both internal RMs and external distributors
GraphQL API	Dynamic frontends for various customer personas
Event-Driven	Capture customer actions (e.g., portfolio review) for next-best action prediction

🔧 Sample Components:

• Customer 360 Profile

• Goal Simulator UI

• GenAI Chat Assistant (RAG-based)

• Portfolio Engine

💳 5. Credit Card Lifecycle Management

✅ Business Goals:

• Digitize end-to-end process from application to closure

• Enable dynamic rewards and limit changes

✅ Recommended Patterns:

Pattern	How it Helps
Modular Monolith or Microservices	Separate services for Card Issuance, Limit, Rewards, Statements
API Gateway + Adapter Pattern	Connects to VISA/MasterCard/BIN switch
Workflow + Rule Engine	Application vetting and card issuance decisions
Reactive Architecture	Instant notifications for usage, fraud alerts
Command Bus	Used for internal command routing in lifecycle actions (block, close, replace)

🧰 Bonus Enterprise Practices to Apply

Practice	Application
Capability Modeling	Align tech components to business capabilities (e.g., “Onboarding”, “Underwriting”)
Reference Architecture Library	Standardize reusable patterns across product lines
RAID Logs with Architecture Decisions	Track risks, dependencies, architecture trade-offs
Architecture Review Board (ARB)	Governance and traceability of design decisions