Product positioning
Finpace is an API-first financial services platform designed around explicit business domains and clear ownership of records. The platform follows a service-oriented architecture in which product definition, customer reference, account servicing, lending, interaction history, notifications and audit evidence are each owned by dedicated services. These services expose stable REST APIs, publish business events and participate in orchestrated workflows for assisted and digital journeys. The design follows six principles.- Configuration before customization. Product setup, pricing parameters, workflow routing, document requirements, notification templates and entitlements are intended to be configurable without code change.
- Controlled domain ownership. Each business domain owns its write model, validation rules and lifecycle actions. Cross-domain views are assembled through APIs and event-driven read models.
- Integration as a first-class concern. The platform assumes collaboration with external KYC, decisioning, document, CRM, telephony, marketing and ledger providers.
- Operational evidence by default. Every material business action is auditable with actor, timestamp, reason and before/after context.
- Safe financial processing. Financial actions are transactionally committed within the owning service and exposed through idempotent APIs and replay-safe events.
- Channel independence. Digital channels, RM tooling, branch tools and partner channels use the same product and servicing services rather than separate channel-specific back ends.
Runtime architecture
Finpace is deployed as a cloud-native service estate. Stateless APIs and workflow services run behind an API gateway and are scaled horizontally. Stateful domain services persist authoritative records in transactional datastores. Event publication is handled asynchronously so that operational and integration consumers can subscribe without coupling to the synchronous transaction path.4.1 Architectural layers
-
Experience layer
Web, mobile, RM workbench, contact-center desktop, partner portals and embedded lending channels. -
API and security layer
API gateway, OAuth 2.0 and OIDC, mTLS termination, throttling, request validation, correlation tracing and client policy enforcement. -
Domain services layer
Product, party, customer, account, lending, interaction, notification, audit and workflow services. -
Integration layer
Adapters for KYC/KYB, AML, sanctions, document management, e-signature, open banking, credit decisioning, bureau, telephony, email/SMS/push, analytics and general ledger. -
Data and evidence layer
Transaction stores, document metadata, event streams, audit evidence, reporting extracts and cached read models.
4.2 Service inventory
| Service | Primary responsibility | Primary interface style |
|---|---|---|
| Party & Customer Reference Service | Maintains customer master, group hierarchies, contact roles, agreements, entitlements and consent records. | REST APIs, event publication, back-office maintenance UI |
| Product Directory Service | Defines account, overdraft and lending products, bundles, pricing parameters and lifecycle status. | REST APIs, versioned product definitions, pricing configuration |
| SME Account Service | Manages current accounts, overdrafts, mandates, signatories, balances, statements and servicing events. | REST APIs, posting events, statement generation |
| Cash Management Service | Supports liquidity views, sweeps, pooling structures, limits and treasury-oriented controls. | REST APIs, scheduled jobs, position events |
| Onboarding & Workflow Service | Orchestrates assisted and digital onboarding, KYC/KYB stages, document handling and task routing. | REST APIs, BPM workflows, integration adapters |
| Corporate Lending Service | Supports origination, offer generation, facilities, drawdowns, schedules, covenant tracking and servicing. | REST APIs, decisioning hooks, accounting events |
| Consumer Lending Service | Supports quote generation, digital applications, decisioning, contract acceptance, servicing and hardship flows. | REST APIs, webhook events, notification triggers |
| Customer Interaction Service | Captures interactions, service requests, session context, RM workbench events and customer history. | REST APIs, event store, contact center integrations |
| Notification Service | Delivers email, SMS, push and secure message communications with template and preference controls. | REST APIs, event subscriptions, delivery status webhooks |
| Audit & Compliance Service | Provides immutable audit evidence, operational history, access logs and compliance extracts. | Query APIs, evidence store, export jobs |
| Integration Gateway | Secures inbound and outbound APIs, enforces OAuth2, mTLS, throttling, schema validation and correlation tracing. | API gateway, webhook gateway, partner credentials |