Page 89 - ITU-T Focus Group Digital Financial Services – Technology, innovation and competition

ITU-T Focus Group Digital Financial Services
Technology, Innovation and Competition

• Automatic generation of application code (i.e. no need for programming by the service provider staff);

• Industry-specific solution frameworks such as those for banking BPM;
• Enterprise-level scalability;
• Standards-based user interfaces.

6 Reference architecture

The solution should be highly scalable, both instantiating new servers without adding any additional hardware
(horizontal scalability) and upgrading platform components hardware with no loss of service (vertical scalability),
being able to meet the needs of the current scenario (number of provisioned users), and rapidly scaling up to
meet the needs of a more demanding one.

Each different software module and hardware component should be scalable independently from the rest of
the modules and components, respectively.

The solution architecture should be comprised of standardized modules at different technology levels, enabling
each individual component to evolve independently from the rest of the components.

The figure at Annex 3 represents a reference instance of an architecture for a DFS vendor platform to support
a variety of services, which are covered in further detail in the remainder of this document.

This architecture should support:
• Modularity of logical components (for simple addition, removal or expansion);

• Components with configurable capability to support delivery in different regulatory markets;
• Separation of user experience, logic, and capability

Internal APIs

To facilitate the connectivity between all delivery elements, all communication should be exposed via well-
documented open APIs.

The APIs have been structured into 3 key areas service, capability, and external.

75