CASE STUDY

Open Banking Enablement
with Phased API Rollout

Software Development
BFSI

Project Highlights

Scope

  • Delivered Open Banking via a four-phase, risk-based API rollout, moving from lower-risk exposure to customer-authorised account access and payment initiation.
  • Defined a Common Baseline for onboarding Third-Party Service Providers (TSPs), standardising requirements and integration patterns.
  • Implemented containerised services and release practices to support stable adoption across partners and environments.

Challenges Overcome

Balanced rapid delivery with progressively stricter security controls as APIs moved towards consent-based account access and authorised payment initiation.

Standardised onboarding for multiple TSPs with different technical readiness levels, while maintaining consistent governance and operational control.

Sustained stable performance and predictable operations as API coverage expanded and partner usage grew.

Business Impact

A structured Open Banking rollout improved onboarding consistency and reduced time-to-release, while strengthening consent-based controls for third-party access.

TSP onboarding lead time

Time-to-release for new API capabilities

Integration-related operational incidents

Engineering effort per TSP integration

Peak-period SLA compliance

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

  • The bank needed to enable secure integrations with TSPs without weakening customer trust, stability, or internal controls.
  • As capabilities expanded beyond public endpoints, security and operational safeguards had to tighten without slowing delivery.
  • Data sharing had to be explicitly consent-based, time-bound, and enforceable across services.
  • Partner onboarding lacked consistency, creating friction and increasing the risk of uneven implementations.

The Solution

BGTS delivered a phased Open Banking enablement programme to support secure data exchange with TSPs and a governed rollout towards account access and payment initiation. We introduced a Common Baseline to standardise onboarding and integration, and implemented consent handling and operational controls to maintain governance as adoption grew. The solution was built using Java/Kotlin with Spring Boot on Kubernetes, supported by monitoring and logging to sustain reliability at scale.

Team & Technology

Tech Stack Utilised

Backend

  • Java/Kotlin
  • Spring Boot

Container Orchestration

  • Kubernetes

Team Composition

The Outcome

Phased Open Banking rollout

The bank gained a structured path to deliver Open Banking capabilities in stages, progressing from lower-risk exposure to customer-authorised access and transaction enablement, without losing governance and control.

Faster partner connectivity with less friction

Standardised integration patterns improved consistency across third-party connections, reducing rework and accelerating ecosystem onboarding.

Operational resilience at scale

Containerised deployment and consistent runtime practices improved stability, supporting growth in API usage while keeping operations predictable and manageable.