Platform Roadmap

ID.Banking follows a phased delivery model, building outward from core banking primitives to advanced financial services. Each phase delivers production-ready, independently deployable capabilities.

Delivery Overview

gantt
  title Platform Delivery Timeline
  dateFormat YYYY-MM
  axisFormat %Y
  section Phase 1
    Ledger           :done, 2023-01, 2023-06
    Payments         :done, 2023-03, 2023-08
    Cards            :done, 2023-06, 2023-10
    Fraud (Basic)    :done, 2023-06, 2023-10
    KYC/Onboarding   :done, 2023-08, 2023-12
  section Phase 2
    Lending          :done, 2024-01, 2024-06
    Advanced Fraud   :done, 2024-02, 2024-07
    Data Warehouse   :done, 2024-03, 2024-08
    AI/ML Scoring    :done, 2024-04, 2024-09
    API Marketplace  :done, 2024-05, 2024-10
    Multi-jurisdiction :done, 2024-06, 2024-11
  section Phase 3
    Treasury         :active, 2025-01, 2025-06
  section Phase 4
    FX               :2025-07, 2025-12

Phase 1: Foundation — Completed

Core banking primitives are live and processing transactions in production environments.

Ledger

• Double-entry immutable ledger with multi-currency support
• Real-time balance calculations with event-sourced state
• GL reporting and automated reconciliation

Payments

• Pan-African payment rail integration (PayShap, RTC, PAPSS, SADC-RTGS)
• Mobile money connectivity (M-Pesa, MTN MoMo, Airtel Money)
• Bulk payment processing and scheduling

Cards

• Virtual and physical card issuance
• Real-time authorization with configurable rules
• 3D Secure authentication and tokenization

Basic Fraud Detection

• Rule-based transaction monitoring
• Velocity checks and threshold alerts
• Sanctions screening integration

KYC & Onboarding

• Document verification with OCR extraction
• Facial recognition liveness detection
• Risk-based tiered onboarding workflows

Phase 2: Growth — Completed

Advanced capabilities spanning lending, fraud, data, scoring, marketplace, and multi-jurisdiction support.

Lending

• Consumer and SME loan origination
• Credit scoring with bureau integration
• IFRS 9 expected credit loss provisioning
• Automated collections and workout management
• Collateral management and valuation

Advanced Fraud

• Machine learning anomaly detection models (ONNX-based)
• Social engineering detection rules
• Kafka-driven real-time event processing
• Adaptive rule engine with outcome tracking

Data Warehouse

• Event-driven ETL from all service domains via Kafka
• Star/snowflake schema with SCD Type 2 dimensions
• Regulatory reporting automation (BA returns, FinSurv, CRS/FATCA, CTR, SAR)
• Daily aggregation batch processing with backfill mode

AI/ML Scoring

• ONNX model inference for credit decisioning
• Model registry with versioning and canary deployments
• Performance monitoring and explainability
• Alternative credit scoring using transactional data

API Marketplace

• Developer portal with API product catalog
• Partner API registration and approval workflow
• Usage-based API monetization and billing
• Health checking and marketplace analytics

Multi-jurisdiction

• Jurisdiction-aware configuration and rule engines
• Versioned regulatory parameters per country
• Interest rate and fee cap rules by jurisdiction
• Region-specific loan product administration

Phase 3: In Progress — Treasury

Expanding the platform into liquidity and interbank settlement capabilities.

Treasury

• Liquidity management and cash positioning
• Interbank settlement and nostro/vostro tracking
• Interest rate and maturity ladder management

Phase 4: Planned — Foreign Exchange

Next-generation multi-currency capabilities extending the platform into FX markets.

Foreign Exchange (FX)

• Multi-currency conversion with real-time rate feeds
• FX margin management and hedging instruments
• Cross-border remittance corridors

Delivery Principles

• Modular independence — each capability deploys and scales independently
• Backward compatible — new modules integrate without breaking existing services
• Regulatory first — compliance requirements drive architecture decisions
• API-native — every capability is accessible via documented REST APIs