Digital Banking Architecture on AWS: Real-Time Customer Onboarding and Intelligent Loan Decisioning

Ravi Kumar Ireddy

doi:10.36948/ijfmr.2025.v07i02.69407

Digital Banking Architecture on AWS: Real-Time Customer Onboarding and Intelligent Loan Decisioning

Author(s)	Ravi Kumar Ireddy
Country	United States
Abstract	Traditional digital banking platforms rely on batch-oriented processing architectures that introduce substantial latency in customer onboarding and loan decisioning workflows, preventing real-time service delivery and reducing competitive advantage. This paper presents a comprehensive event-driven architecture leveraging AWS cloud services and Apache Kafka streaming to transform legacy batch processes into real-time pipelines. The proposed system integrates AWS Lambda for serverless event processing, DynamoDB for low-latency state management, ECS for containerized microservices, and Amazon Textract for intelligent document processing. A Drools-based rules engine enables dynamic credit decisioning without code deployments, while Kafka event streaming provides decoupled communication between microservices. The architecture implements comprehensive quality engineering practices including automated testing achieving 80% coverage, infrastructure-as-code for consistent deployments, and observability frameworks for production monitoring. Evaluation across production banking workloads demonstrates 85% reduction in customer onboarding time from hours to minutes, 50% improvement in loan decision cycle time through real-time eligibility checks, 30% cloud cost optimization through right-sizing and automation, 70% reduction in microservice development overhead via reusable accelerators, and 67% decrease in production defects. Case study results from enterprise lending platforms validate the architecture's ability to process high-volume transactional workloads while maintaining 99.95% availability and regulatory compliance. This research establishes a reference framework for digital banking modernization combining event-driven patterns, cloud-native infrastructure, and intelligent automation.
Keywords	Digital banking, Event-driven architecture, AWS cloud services, Apache Kafka, Real-time processing, Loan decisioning, Intelligent document processing, Microservices.
Field	Engineering
Published In	Volume 7, Issue 2, March-April 2025
Published On	2025-03-07
DOI	https://doi.org/10.36948/ijfmr.2025.v07i02.69407

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Digital Banking Architecture on AWS: Real-Time Customer Onboarding and Intelligent Loan Decisioning

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