Customer data synchronization
Synchronize customer profiles across branch systems, CRM, and digital channels in real-time.The challenge
Customer profile information originates from multiple sources - branch systems, call centers, digital channels, and third-party services. Keeping all systems synchronized in real-time while maintaining data quality and consistency is critical for delivering unified customer experiences. Business impact:- Inconsistent customer data across channels leads to poor experiences
- Manual data reconciliation is time-consuming and error-prone
- Delays in synchronization affect compliance and risk management
- Multiple point-to-point integrations increase complexity
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- File processing for batch updates from branch system
- Webhooks for real-time CRM updates
- Event publishing from digital banking changes
- Multi-consumer distribution to all downstream systems
Real-time transaction distribution
Distribute transaction data across channels, fraud detection, and analytics systems in real-time.The challenge
Transactions occur across multiple channels - ATMs, point-of-sale, online banking, mobile apps. Each transaction must be visible immediately in digital channels, analyzed for fraud, recorded for compliance, and available for customer service - all in real-time. Business impact:- Delayed transaction visibility frustrates customers
- Fraud detection requires immediate transaction data
- Multiple system queries create performance bottlenecks
- Point-to-point integrations are fragile and hard to maintain
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- Event streaming from core banking Kafka
- Webhooks from card processor
- Message consumers for payment gateway
- Multi-consumer distribution (5+ consuming systems)
Payment processing integration
Orchestrate payment lifecycle events across processors, digital channels, and accounting systems.The challenge
Payment processors like Alacriti and Volante send status updates via multiple channels - webhooks for real-time notifications, daily settlement files, and event streams for transaction lifecycle. Each requires different handling but must result in consistent payment status across all systems. Business impact:- Multiple integration points create complexity and maintenance burden
- Payment status updates must be immediate for customer notifications
- Settlement reconciliation requires batch file processing
- Compliance requires complete audit trail of all payment activities
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- Webhooks for real-time payment status updates
- File processing for daily settlement files
- Event streaming for transaction lifecycle events
- Event Enrichment to add customer/account context
- Multi-consumer distribution to all systems
Account update propagation
Propagate account status changes and lifecycle events across all consuming systems.The challenge
Account status changes, balance updates, and service modifications must propagate instantly to all systems. Delays cause inconsistent account information, failed transactions, and poor customer experiences. Business impact:- Account holds not reflected immediately cause failed transactions
- Balance updates delayed lead to overdraft issues
- Service changes (card activated, account closed) take too long to propagate
- Customer frustration from inconsistent account information
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- Event streaming from core banking
- Real-time event processing
- Multi-consumer distribution
- Guaranteed delivery to critical systems
Batch payment file integration
Process batch payment files and distribute results to originating systems and accounting.The challenge
Corporate customers submit bulk payment files containing thousands of payment orders. Each file requires validation, individual payment creation, processing orchestration, and results file generation - all while maintaining audit trail and handling errors gracefully. Business impact:- Manual file processing is time-consuming and error-prone
- Lack of real-time status updates frustrates corporate customers
- Error handling requires manual intervention
- Results file generation delays cause reconciliation issues
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- File processing for bulk payment files
- Event generation for each payment order
- Multi-consumer distribution for orchestration
- Webhooks for payment status updates
- File generation for results delivery
Real-time notification distribution
Distribute alerts and notifications across multiple customer communication channels.The challenge
Critical notifications - fraud alerts, large withdrawals, low balance warnings, loan approvals - must reach customers immediately across multiple channels while being logged for compliance and triggering appropriate workflows. Business impact:- Delayed notifications reduce fraud prevention effectiveness
- Multiple notification systems create inconsistent experiences
- Compliance requires audit trail of all customer communications
- Manual notification triggering is slow and error-prone
The solution
- Architecture
- Data flow
- Business value
Integration patterns used:
- Event publishing from source systems
- Multi-consumer distribution to all notification channels
- Guaranteed delivery for critical alerts
- Event logging for compliance
Integration pattern summary
Each use case demonstrates practical application of Sync Hub integration patterns:| Use Case | Primary Patterns | Key Benefits | Complexity |
|---|---|---|---|
| Customer Data Sync | File processing, Webhooks, Multi-consumer | Data consistency, compliance | Medium |
| Transaction Distribution | Event streaming, Multi-consumer | Real-time visibility, fraud prevention | High |
| Payment Processing | Webhooks, File processing, Event streaming | Complete lifecycle tracking | High |
| Account Updates | Event streaming, Multi-consumer | Risk management, consistency | Medium |
| Batch Payments | File processing, Webhooks, Event generation | Processing efficiency | High |
| Notifications | Event publishing, Multi-consumer | Customer experience, compliance | Low |
Common success patterns
Based on these use cases, several patterns emerge for successful Sync Hub implementations:- Start with high-value, low-complexity - begin with real-time notifications or simple event distribution. Quick wins build confidence and demonstrate value before tackling complex integrations. For example, start with transaction notifications before implementing full payment processing lifecycle.
- Combine patterns for complete solutions - most real-world scenarios require multiple integration patterns. Banking integrations rarely fit a single pattern - vendors use multiple channels. Payment processors commonly use webhooks (real-time), files (settlement), and events (lifecycle).
- Design for multi-consumer from day one - assume every event will eventually have multiple consumers. New consuming systems emerge over time (analytics, compliance, new channels). Transaction events initially serve digital banking, but later add fraud detection, CRM, and analytics.
- Prioritize guaranteed delivery - implement retry logic and dead letter handling from the start. In banking, losing events means lost transactions, compliance violations, or customer issues. Payment status updates must reach digital banking even if systems are temporarily unavailable.