BANKING MANAGEMENT MIDDLEWARE FOR THE EUROPEAN MARKET

To realize the digital transformation of a bank, different modules and services such as core banking, digital channels, customer verification, payments, card management, credit application verification and document management need to be integrated. Harmonizing these elements to meet the end-to-end requirements of a bank is of great importance to provide a seamless service. These modules and services are offered by various vendors in the market with different functionalities and banks prefer vendors that suit their needs. However, different banks have to adapt to different providers to create the desired solution according to their requirements. This situation causes some problems and prolongs the process. This study aims to develop a middleware that enables easy integration of financial modules and services, regardless of the provider, in order to facilitate the development of digital banking solutions in Europe. This middleware has been designed to run on the cloud so that digital banks can quickly respond to market needs without dealing with physical hardware installation and maintenance requirements. The Adapter Design Pattern has been used to ensure compatibility and seamless interaction between microservices with different interfaces or protocols. The Proxy Design Pattern has been implemented to control access to the microservice, add functions or mediate requests between clients and services. The developed middleware provided an end-to-end customizable and ready-to-use ecosystem for financial services. With this ecosystem, banks have been able to increase the speed of creating solutions according to their own needs by 95% and save 75% of costs.