Banking

API Design & Integration for Banking

API Design & Integration for banking, built around the constraint that defines the sector: core banking systems are not to be touched, so everything integrates around them.

Regulations in scope
4
Systems we integrate
5
Typical first release
6 weeks

What changes when it is banking

A webhook without signature verification is an open endpoint. Retries without exponential backoff are a denial-of-service attack on your own partners.

In banking, core banking systems are not to be touched, so everything integrates around them. That single fact reshapes how api design & integration has to be built here, the guardrails, the approval points and the evidence trail are design inputs rather than things bolted on before go-live.

The workload we are most often asked to take on first is loan file assembly, usually integrated against loan management systems. We build the smallest thing that proves the case, put it in front of real users, and expand only what earns its keep.

Built by engineers who ship production systems, not by a practice that subcontracts the build. We hand over with runbooks, tests and a team that knows how it works, not a dependency.

The sector constraints we design around

Defining constraint
core banking systems are not to be touched, so everything integrates around them
Regulations in scope
RBI master directions · PMLA and AML · DPDP Act 2023 · cybersecurity framework for banks
Systems of record
Finacle · Flexcube · core banking platforms · CRM · loan management systems
Where we usually start
account opening documentation

API Design & Integration workloads in banking

  • account opening documentation
  • AML alert triage
  • customer service automation
  • loan file assembly
  • branch reporting

What is included

  • OpenAPI specification written before the implementation
  • Versioning strategy that does not break consumers
  • Authentication, scopes and rate limiting
  • Webhooks with retries and signature verification
  • Idempotency on every state-changing endpoint
  • Generated documentation and a sandbox

Questions from this sector

Will this touch our core banking system?

No. We integrate through supported interfaces and read replicas, never by modifying the core.

How do you handle AML false positives?

Context enrichment and tuned scoring so alert volume matches investigator capacity, with every decision explainable in a case file.

REST or GraphQL?

REST for partner-facing and public APIs where caching and simplicity matter; GraphQL where a first-party client needs flexible, varied queries. Most systems end up with both, used deliberately.

Do you document it?

Generated from the OpenAPI specification, with a working sandbox. Documentation written by hand and separately always drifts.

Can you integrate with legacy SOAP systems?

Yes, usually by wrapping them in a clean modern interface rather than exposing the legacy contract onward.

API Design & Integration for banking, worth a conversation?

Tell us the workload and the regulation it sits under. We will tell you what is realistic.

Or email bd@dtrasglobal.com · call +91 74118 77878