US

POC for Raiffeisen Bank self-service terminal development

  • Requirements-are-gathered

    Requirements are gathered

  • Candidate-architecture-is-created

    Candidate architecture is created

  • A-clickable-prototype-is-created

    A clickable prototype is created

  • The-projects-feasibility-is-proven

    The project’s feasibility is proven

Project overview

Raiffeisen Bank contacted DICEUS to perform a proof of concept and determine if the idea of realization of specific self-service terminals’ functionalities is feasible, i.e., if it can be turned into reality. This POC was focused solely on two operations — encashment of individual entrepreneurs’ revenue and internet payments/transfers. Our team offered the client authentication options and how transactions should be reflected in General Ledger and other business systems. The bank has also received consultations   and recommendations from us on some technical aspects of the future solutions’ integration into an existing IT landscape.

Client information

Since 2005, our client, the bank has been a part of the Raiffeisen Bank International AG Group, Austria. It is one of Ukraine’s biggest banks with foreign capital. It offers products and services both to over 2.5 million retail and business customers. The bank aims to implement the latest technologies to enhance customer service quality.

logo raiffeisenbank

Business challenge

The main idea of the bank is to turn a standard ATM that dispenses cash into a smart self-service terminal of NCR class with functionalities inherent in mobile app functionalities. The matter is that the range of ATM services for retail customers is limited to a standard number of functionalities like cash withdrawal, repaying a loan, or getting information related to cards. Therefore, the bank wants to develop a smart self-service terminal with a web interface and functionalities similar to mobile banking and internet banking functionalities that users got used to. Moreover, the functionalities provided would also include some capabilities for individual entrepreneurs, like encashment. This interface, integrated with the card reader and cash dispenser, will give the bank a chance to gain a competitive edge in the market of banking services.

Technical challenges

Our team had to plunge into the private-cloud environment of the bank and ensure the interoperability of existing systems without interfering hard with the current architecture. The idea was to develop software for the smart ATM using Angular. The front end would interact with the back side and the help of the existing APIs. Using a transport message broker Kafka and special adapters, requests to the system services and business services could be sent. As a result, we created a workable prototype of the software with asynchronous parallel processing architecture.

Solution delivered

Our team has realized a POC project, formalized and offered the software architecture for the private-cloud environment of the bank. The scope of our services included collecting functional and non-functional requirements, clarifying business process flows, developing a clickable ATM prototype, designing backend architecture, approving candidate architecture and information flow schema, and developing the working candidate architecture prototype. We also implemented the fundamental interaction between the frontend and backend based on the BFF (Backend for Frontend) approach in accordance with one of the scenarios of the operation selected by the bank. Interaction with ATM devices (card reader, banknotes receiver, cash dispenser) was also implemented. A clickable UI/UX prototype was created and demonstrated to the client.

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Key features

img 2

  • Synchronous and asynchronous operations

    If the software is implemented, synchronous client operations will be supported. In addition, asynchronous/postponed operations will also be supported (when one of the applications or services required for a specific operation is unavailable).

  • Event logs

    The future application will be able to use and supply its own event logs to banking monitoring and logging systems.

  • Security standards compliance

    The future app will comply with PCI DSS (Payment Card Industry Data Security Standard), PSD2 (second Payment Services Directive), and internal banking security policy.

Value to our client

  • Requirements are gathered

    Among the primary deliverable of this POC project, functional and non-functional requirements and detailed descriptions of business processes are formalized.

  • Candidate architecture is created

    Backend candidate architecture has been created and presented to the client. It allows to create the software without interfering hard with the current system architecture.

  • A clickable prototype is created

    A clickable UI/UX prototype has been created and demonstrated to the client so that it is clear how the future ATM interface will look and work.

  • The project’s feasibility is proven

    The goal of the project has been reached, and the DICEUS team has proven that it is possible to turn the client’s idea into reality by using the offered approach.

Our tech stack

  • java Java
  • javascript JavaScript
  • angular js Angular
  • api-settings REST API
  • Kafka Kafka 
  • PostgreSQL PostgreSQL
  • My-SQL MySQL
  • CAMUNDA Camunda

Software solutions bringing business values

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    Kyiv
    Case study
    POC for Raiffeisen Bank self-service terminal development
    diceus.com
    Case study
    POC for Raiffeisen Bank self-service terminal development
    Project overview
    Raiffeisen Bank contacted DICEUS to perform a proof of concept and determine if the idea of realization of specific self-service terminals’ functionalities is feasible, i.e., if it can be turned into reality. This POC was focused solely on two operations — encashment of individual entrepreneurs’ revenue and internet payments/transfers. Our team offered the client authentication options and how transactions should be reflected in General Ledger and other business systems. The bank has also received consultations   and recommendations from us on some technical aspects of the future solutions’ integration into an existing IT landscape.
    Client information

    Since 2005, our client, the bank has been a part of the Raiffeisen Bank International AG Group, Austria. It is one of Ukraine’s biggest banks with foreign capital. It offers products and services both to over 2.5 million retail and business customers. The bank aims to implement the latest technologies to enhance customer service quality.

    Information
    Business challenge

    The main idea of the bank is to turn a standard ATM that dispenses cash into a smart self-service terminal of NCR class with functionalities inherent in mobile app functionalities. The matter is that the range of ATM services for retail customers is limited to a standard number of functionalities like cash withdrawal, repaying a loan, or getting information related to cards. Therefore, the bank wants to develop a smart self-service terminal with a web interface and functionalities similar to mobile banking and internet banking functionalities that users got used to. Moreover, the functionalities provided would also include some capabilities for individual entrepreneurs, like encashment. This interface, integrated with the card reader and cash dispenser, will give the bank a chance to gain a competitive edge in the market of banking services.

    Technical challenges

    Our team had to plunge into the private-cloud environment of the bank and ensure the interoperability of existing systems without interfering hard with the current architecture. The idea was to develop software for the smart ATM using Angular. The front end would interact with the back side and the help of the existing APIs. Using a transport message broker Kafka and special adapters, requests to the system services and business services could be sent. As a result, we created a workable prototype of the software with asynchronous parallel processing architecture.

    Solution delivered

    Our team has realized a POC project, formalized and offered the software architecture for the private-cloud environment of the bank. The scope of our services included collecting functional and non-functional requirements, clarifying business process flows, developing a clickable ATM prototype, designing backend architecture, approving candidate architecture and information flow schema, and developing the working candidate architecture prototype. We also implemented the fundamental interaction between the frontend and backend based on the BFF (Backend for Frontend) approach in accordance with one of the scenarios of the operation selected by the bank. Interaction with ATM devices (card reader, banknotes receiver, cash dispenser) was also implemented. A clickable UI/UX prototype was created and demonstrated to the client.

    Key features
    • Synchronous and asynchronous operations

      If the software is implemented, synchronous client operations will be supported. In addition, asynchronous/postponed operations will also be supported (when one of the applications or services required for a specific operation is unavailable).

    • Event logs

      The future application will be able to use and supply its own event logs to banking monitoring and logging systems.

    • Security standards compliance

      The future app will comply with PCI DSS (Payment Card Industry Data Security Standard), PSD2 (second Payment Services Directive), and internal banking security policy.

    Value to our client
    • Requirements are gathered

      Among the primary deliverable of this POC project, functional and non-functional requirements and detailed descriptions of business processes are formalized.

    • Candidate architecture is created

      Backend candidate architecture has been created and presented to the client. It allows to create the software without interfering hard with the current system architecture.

    • A clickable prototype is created

      A clickable UI/UX prototype has been created and demonstrated to the client so that it is clear how the future ATM interface will look and work.

    • The project’s feasibility is proven

      The goal of the project has been reached, and the DICEUS team has proven that it is possible to turn the client’s idea into reality by using the offered approach.

    Tech stack used in project
    • Java
    • JavaScript
    • Angular
    • REST API
    • Kafka 
    • PostgreSQL
    • MySQL
    • Camunda
    diceus.com