Established European bank launching a greenfield digital brand on public cloud
Building a cloud-native payment and data foundation for a new digital bank
From concept to reference architecture, ISO20022 payments, data services and open banking adapters.
Co-architected greenfield digital bank components on Google Cloud
Designed ISO 20022-compliant payment services (single, bulk and batch)
Delivered BIAN-aligned enterprise data services and open banking client adapters
Provided ongoing cloud foundation and architecture oversight
Context
The bank wanted more than a new front-end: they needed a modern, cloud-native banking stack capable of evolving quickly and interoperating across their existing estate, partners and regulators. They partnered with a large integrator and Bugni Labs as the specialist engineering squad.
The Challenge
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Establish a re-usable reference architecture for services on Google Cloud
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Implement ISO 20022 payment flows across domestic and international use cases
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Build data services aligned with BIAN while remaining practical and evolvable
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Put in place patterns for observability, resilience and rollout that other squads could follow
Our Approach
Reference architecture blueprint
Clear patterns for API gateways, microservices, event buses, data stores and observability. Emphasis on portability and cloud-native practices rather than bespoke constructs.
ISO 20022 payments in practice
Services for single, bulk and batch payments; domestic and cross-border. Flexible authorisation workflows and long-running transaction patterns using Pub/Sub.
BIAN-compliant data and open banking adapters
Data services structured to align with BIAN while remaining tuned to the client's reality. Open Banking client adapters designed for secure, scalable interactions.
Cloud foundation support
Guided cloud design decisions and operating model. Provided architectural guardrails and quality oversight during implementation.
Outcomes
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A cloud-native platform foundation that other squads can build on, rather than re-inventing.
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Accelerated delivery of payment capabilities with clear alignment to future schemes and regulations.
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Stronger confidence in resilience, observability and operational readiness.
Capabilities Deployed
Expertise
Cloud transformation, payments, GCP architecture.
Blueprints
Cloud-Native Foundation, Platform Architecture.
Tooling
Observability Baseline, Governed Delivery Console.
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