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My Projects

Open Banking Web Application – AIS & PIS

I designed and developed a secure, PSD2-compliant open banking platform enabling businesses to use both Account Information Services (AIS) and Payment Initiation Services (PIS). The solution supports direct API integration as well as a hosted payment interface, giving companies flexibility in adopting open banking without compromising on security or compliance.
The onboarding process begins when the Customer Service team registers a new company via the Projects module. The company’s primary account holder automatically receives a personalized welcome email containing a secure link to set their password and access the Company Interface. All logins are protected by two-factor authentication (2FA), ensuring strong security and regulatory compliance.
Once onboarded, companies can request integration credentials along with a one-time-view integration token for maximum security. They are provided with comprehensive API documentation to guide AIS/PIS integration into their systems.
For businesses without in-house technical resources, the platform offers a hosted PIS solution. This allows companies to create payment links for invoices, send them to clients instantly, and track payment statuses in real time. Supported statuses include: Created, Initiated, Paid, Failed, Canceled, and Expired.
This platform streamlines onboarding, integration, and payment processing, enabling companies to launch open banking capabilities quickly, securely, and in full compliance with PSD2 standards.
Tech Stack:
  • Backend: Laravel (PHP)
  • Frontend: ReactJS + TypeScript
  • Database: PostgreSQL
  • Security & Authentication: Two-Factor Authentication (2FA), one-time token generation, role-based access control
  • Email Services: SMTP-based transactional email system
  • Hosting: AWS (EC2, RDS)
  • Compliance: PSD2 / Open Banking API Standards
Key Achievements:
  • Delivered a full-cycle company onboarding flow with automated welcome emails and secure account setup.
  • Implemented secure integration credential management with one-time-view tokens to protect API access.
  • Developed a no-code hosted PIS solution, enabling payment link creation and client invoicing in seconds.
  • Built real-time payment tracking with multiple status updates for better operational visibility.
  • Ensured strong security measures and regulatory compliance with industry best practices.
My Role & Impact:
  • Managed DevOps operations on AWS, including EC2, RDS, and deployment pipelines.
  • Acted as a bridge between management and development teams, translating business requirements into technical specifications and documentation.
  • Oversaw Jira sprint planning and task management to ensure timely feature delivery.
  • Designed and developed core backend APIs, while leading and mentoring a mid-level backend developer.
  • Led the frontend team, ensuring UI/UX quality and consistent implementation of business logic.