CASE STUDY

Scaling Personal Finance Features
with Reliable Data Pipelines

Software Development
BFSI

Project Highlights

Scope

  • Enhanced and extended existing personal finance capabilities with new customer-facing features for richer spending insights and money management.
  • Improved event-driven data handling to keep personal finance views accurate and up to date as transactions and account events occur.
  • Refined customer-facing experiences in line with the bank’s UX standards, supporting frequent releases and iterative improvements.

Challenges Overcome

Ensured reliable categorisation and aggregation of financial activity under high transaction volumes and near-real-time update expectations.

Maintained low-latency performance and resilience while processing event streams across multiple services and domains.

Balanced rapid feature delivery with strong testing and safe rollout practices for customer-facing financial experiences.

Business Impact

The enhancements are expected to improve customer engagement with personal finance features, reduce operational effort, and strengthen reliability for high-frequency data updates.

Time-to-market for personal finance enhancements

Manual effort for data corrections and operational follow-up

Support tickets related to transaction visibility and insights

Adoption of personal finance features among active users

The Client

A leading digital bank delivering a cloud-native, all-in-one virtual banking experience. It is recognised for innovation and modern engineering practices in financial services, serving a growing customer base that expects seamless, always-available journeys. With a strong focus on scalability, reliability, and customer engagement, the organisation continuously evolves its platform to meet rising demand and introduce new capabilities safely and at speed.

Business professionals in meeting with charts

The Problem

  • While core personal finance features were already in place, the bank needed to expand capability and improve data freshness, accuracy, and resilience at scale.
  • Customer-facing financial views had to remain consistent and up to date as transaction volumes and account activity increased.
  • The delivery approach needed to support frequent releases while minimising risk to core banking flows and customer trust.

The Solution

BGTS enhanced and extended the bank’s existing personal finance capability by delivering additional customer-facing features while strengthening the underlying event-driven architecture. We expanded the services that consume transaction and account events, improving how data is categorised, aggregated, and surfaced in near-real-time across personal finance views. Alongside feature delivery, we reinforced stability through controlled releases, monitoring, and automation, ensuring improvements could be introduced frequently without compromising core banking flows or customer trust.

Team & Technology

Tech Stack Utilised

Event Streaming

  • Kafka (event-driven architecture)

Frontend

  • React

Backend

  • Kotlin
  • Spring Boot

Team Composition

5 backend developers

2 Frontend developers

The Outcome

Improved financial visibility

Customers gained clearer, more reliable views of their financial activity, supporting better day-to-day money management.

Resilient event-driven processing

The solution sustained performance under increasing transaction volumes, keeping customer-facing data timely and consistent.

Faster iteration with reduced risk

Enhancements were delivered in shorter cycles while protecting stability across customer journeys.

Operational confidence

Improved monitoring and disciplined rollouts reduced incidents and accelerated resolution when anomalies occurred.