Cynergy Bank
BankingEnterpriseBuilding 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.
Engineering Facets
Accelerators
Capabilities
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
“A cloud-native foundation succeeds when other squads can build on it without re-inventing — reference architecture must be practical, not aspirational.”
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
- →
Establish a re-usable reference architecture for services on Google Cloud
- →
Implement ISO 20022 payment flows across domestic and international use cases
- →
Build data services aligned with BIAN while remaining practical and evolvable
- →
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.
Engagement Timeline
Reference Architecture
3 monthsDefined cloud-native patterns for API gateways, microservices, event buses, data stores and observability on GCP.
Payment Services
5 monthsImplemented ISO 20022 payment flows for single, bulk and batch payments across domestic and cross-border use cases.
Data Services & Open Banking
4 monthsBuilt BIAN-aligned enterprise data services and open banking client adapters for secure, scalable interactions.
Foundation Support
2 monthsProvided architectural guardrails, quality oversight, and operational guidance for other delivery squads.
Outcomes
- →
A cloud-native platform foundation that other squads can build on, rather than re-inventing.
- →
Accelerated delivery of payment capabilities with clear alignment to future schemes and regulations.
- →
Stronger confidence in resilience, observability and operational readiness.
Technologies & Patterns
What Our Client Said
“The clarity, design quality and volume of delivery from the Bugni Labs squad were exceptional. You helped set the standards for everyone.”
Want the full story?
Client names, detailed architecture diagrams, metrics, and implementation insights are available on request. We're happy to walk you through the engagement.