apidays LIVE LONDON - The Road to Embedded Finance, Banking and Insurance with APIs
Evolving API Management for Event-Driven Digital Banking
Dr Aiken Leung, VP at FSI Solace
5. VS
Centralized vs Distributed
• Centralized customer accounts
• Distributed PaaS (e.g. DB), Storage
• But is it distributed?
Most banks, digital or not…
• Distributed customer accounts in connected nodes
• Each node is a self-contained, fully functioning bank
• Truly distributed
aiken.leung@solace.com
12. eWallet as a Service – from Customer Viewpoint
House-hold bills
Bill Payment
Shopping lists
Payment/Discount
Service Bills
Appointment/Payment
Authorization
Pass
Tickets
Pass/Payment/Disc.
Invoice / TAX Disc.
Trade & Payment Info
e.g. Drawdown at the payment
Online Current
/Saving Account
Accessible
Fund Account
Credit Card
Payment Asset
from Other Banks
Pre-Authorized
Credit for
Consumer Finance
Payment
Aggregation
3.Bank make lending
contract with customer.
EVENTS
aiken.leung@solace.com
13. Event Streaming - Cross Border Trade Finance
Port
Authority
Port
Authority
Buyer
Logistic
Company
Logistic
Company
Custom
Service
Shipping
Companies
Regulator
Shipment
Movement
Dock Confirmation
Dock Confirmation
Order Confirmation
Logistic Movement
Custom Confirmation
Custom Confirmation Logistic Movement
Contract Data
OverseasUK
Seller
Custom
Service
EVENTS
aiken.leung@solace.com
16. MS 1
Sidecar
MS 1
Sidecar
UI
MS 1
DB
Event Mesh
API Gateway,
Service Mesh and
Microservices
Event-driven
Microservices
Sidecar
MS 2
Sidecar
MS 2
Sidecar
MS 2
DB
Sidecar
MS n
Sidecar
MS n
Sidecar
MS n
DB
Sidecar
Publish/
Subscribe
MS 1
Sidecar
MS 1
Sidecar
UI
MS 1
DB
Sidecar
MS 2
Sidecar
MS 2
Sidecar
MS 2
DB
Sidecar
MS m
Sidecar
MS m
Sidecar
MS m
DB
Sidecar
MS n
Sidecar
MS n
Sidecar
MS n
DB
Sidecar
Service registry
Service Mesh
UI
Monolith
DB
UI
Enterprise Svc Bus
Service
DB
Service
Monolithic Service Oriented
Request/
Reply
aiken.leung@solace.com
The Evolution towards Service Mesh and Event Mesh
API Gateway
21. Platform Universe Nodes with Hybrid-Cloud Deployment
Event Portal – Catalog, Discover, Design Event Streaming
Event Discovery Event Catalog Event Designer
Node
……
Event Mesh
Scale Up Scale Up
WEB
Scale Out
In-a-Box
Bank
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
Node
……
Event Mesh
Scale Up Scale Up
WEB
Scale Out
In-a-Box
Bank
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
DB
WEB
APP
WEB
aiken.leung@solace.com