Banking

Greenfield Digital Bank · Payments, Cloud & Enterprise Services

Set the engineering standards for an entire greenfield banking programme

Payments Product Owner

“The clarity, design quality and volume of delivery from the Bugni Labs squad were exceptional. You helped set the standards for everyone.”

An established European bank launching a greenfield digital brand needed a modern, cloud-native banking stack with ISO 20022 payment flows and BIAN-aligned data services. Bugni Labs delivered a significant volume of high-quality engineering that set the standards for the entire programme.

Impact

Cloud-native banking stack with ISO 20022 payments, BIAN-aligned data services and open banking adapters, providing a reference architecture for the programme.

Context

Established European bank launching a greenfield digital brand needed modern, cloud-native banking stack with ISO 20022 payment flows and BIAN-aligned data services.

Value Delivered

Enterprise Reference Architecture Blueprint

A comprehensive reference architecture that set the engineering standards for the entire greenfield banking programme.

ISO 20022 payment services (Single / Bulk / Batch, Domestic / International)

Full payment processing covering single, bulk and batch flows across domestic and international corridors, built to ISO 20022 standards.

Flexible authorisation

Fine-grained authorisation model supporting multi-level approval workflows and delegated permissions.

Long-running transactional workflows

Saga-pattern orchestration for complex multi-step banking transactions with compensating actions and timeout handling.

Pub/Sub event-driven backbone

Asynchronous event backbone providing loose coupling between services and enabling real-time data propagation.

BIAN-aligned enterprise data services

Data services structured around BIAN service domains, providing consistent enterprise data access patterns.

Open Banking adapters

Standards-compliant adapters for Open Banking APIs, enabling account aggregation and payment initiation.

Google Cloud architecture, foundations & standards

Cloud architecture, landing zones and engineering standards built on Google Cloud Platform.

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