Services
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The Challenge
Facing the uncertainty of an untested solution in the country and with tight execution deadlines, the bank chose intive to ensure effective implementation. The development involved two key functionalities: allowing consent for other wallets to link the bank’s accounts (a mandatory function called Payment Account Provider), and enabling the wallet to associate accounts from other Payment Account Providers where the user is also a client.
Additionally, the banks participating in this first implementation had to work in parallel to conduct exhaustive cross-bank testing to ensure optimal functionality before the public launch.
After receiving specifications from Play Digital S.A. (the company responsible for defining the regulatory flow) and the auditor PWC, we combined our backend development know-how and experience in fintech products to design and implement the solution. We worked in close coordination with an external collaborator from the bank, adapting quickly to directional changes set by the orchestrating entities.
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We opted for a microservices architecture, with detailed sequence diagrams to optimize data flow. We used Red Hat as the identity provider (IDP) for authentication and active session management, and Token Manager to centralize the management of consents granted by other entities and those provided by the bank. The solution was developed with Java, using the Spring Boot framework, REST services for microservice communication, and SQL Server as the relational database. After completing the development under the "web view" model, we migrated to a "custom view" to enhance security, as recommended by Play Digital S.A.
This change involved integrating event-driven services capable of responding to specific user actions in real time. In a testing environment, we conducted trials with all participating banks to validate the intended operations, such as obtaining and granting consents, as well as performing and receiving transfers using CBU and CVU (bank account identifiers in Argentina). We adjusted the system to meet the client’s security standards and exchanged feedback with teams from other banks, implementing necessary improvements before going live. Once the functionality was launched, we provided ongoing support during the first few months, ensuring its efficiency and stability.
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