OpenLayer Banking Transformation Phased Roadmap
Banking Ecosystem Architecture Framework
A step-by-step plan to build secure, compliant, intelligent, and sustainable banking systems.
Establish secure, observable, and interoperable foundation for all banking workflows.
Phase 1
| SI No | Component | Scope | Tools | Benefits |
|---|---|---|---|---|
|
1 |
Data Sharing & Interoperability |
Define contracts, implement CDC, partner connectors, DLQ/replay |
Kafka, Schema Registry, NiFi, Debezium |
Real-time, resilient, and standardized data exchange across internal & external systems |
|
2 |
Identity & Access Management |
Realms, RBAC/ABAC, token lifetimes, MFA |
Realms, RBAC/ABAC, token lifetimes, MFA |
Centralized, secure authentication & authorization; supports zero-trust policies |
|
3 |
API Gateway & Service Mesh |
Edge security, mTLS, traffic policies, rate limits |
Kong/APISIX, Istio/Linkerd, Envoy, ModSecurity/Coraza |
Secure API access, service-to-service trust, and regulatory auditability |
|
4 |
Monitoring & Observability |
SLOs, trace maps, audit views (ops, risk, compliance) |
Prometheus, Grafana, OpenTelemetry, Jaeger, Loki |
End-to-end visibility, performance tracking, early detection of anomalies |
Implement governance, consent, and workflow automation for compliant operations.
Phase 2
| SI No | Component | Scope | Tools | Benefits |
|---|---|---|---|---|
|
5 |
Consent & Privacy |
Purpose-bound consent, revocation, residency checks |
Kafka, Schema Registry, NiFi, Debezium |
Ensures regulatory compliance (DPDP/GDPR) and customer-controlled data sharing |
|
6 |
Data Security & Governance |
Tokenization, egress policies, lineage & glossary |
Vault, OPA, Apache Ranger, Apache Atlas |
Protects sensitive data, enforces policy, maintains audit lineage |
|
7 |
Workflow & Orchestration |
BPMN/DAGs, compensation, human tasks |
Camunda/Zeebe or Temporal; Argo Workflows |
Automates complex banking workflows, improves SLA adherence and operational efficiency |
Add advanced intelligence, trust mechanisms, and ESG compliance for future-ready banking.
Phase 3
| SI No | Component | Scope | Tools | Benefits |
|---|---|---|---|---|
|
8 |
AI & Analytics |
Model API, pipelines, RAG, dashboards |
MLflow/Kubeflow, Feast, Haystack/LlamaIndex, Superset/Metabase |
Data-driven decision-making, autonomous AI agents, and actionable insights |
|
9 |
Blockchain & Trust |
Anchoring service, VC issuance/verification |
Hyperledger Fabric/Besu, IPFS, Indy/Aries |
Ensures auditability, trust, immutable records, and secure digital identity |
Make OpenLayer future-ready by embedding sustainability and ESG compliance across banking operations.
Phase 4
| SI No | Component | Scope | Tools | Benefits |
|---|---|---|---|---|
|
10 |
Sustainable IT & ESG Layer |
Monitor carbon footprint, optimize IT energy usage, integrate ESG compliance |
Kepler, Cloud Carbon Footprint, Scaphandre, Prometheus + Grafana, Green Software Foundation tools |
Reduces environmental impact, enables green finance initiatives, and provides ESG reporting for regulators and investors |