36-week delivery plan across 6 phases with risk assessment and mitigation strategies
Click a phase to jump to its detailed breakdown
Backend: Enhance existing loan module, add new loan types (Mortgage, Vehicle, Gold, Leasing), guarantor workflow improvements, new JPA entities for specialized lending tables (property_valuation, vehicle_details, gold_item, etc.)
Frontend: Admin Portal — enhanced loan application forms, multi-step approval UI, installment schedule views. Customer Portal — loan application wizard, EMI calculator, loan status tracking.
Backend: Savings account management, Fixed Deposit module (create, renew, premature withdrawal, WHT), Recurring Deposit module (auto-debit, compound interest), Current Account with cheque book issuance, interest calculation engine (daily balance, tiered rates).
Frontend: Admin Portal — account opening forms, FD/RD management screens, interest rate configuration. Customer Portal — account dashboard, FD/RD views, statement downloads.
Backend: Internal fund transfers (real-time, scheduled), CEFT/SLIPS interbank integration, standing orders (auto-execution scheduler), direct debits (mandate management), cheque clearing (inward/outward), demand drafts, payment gateway (merchant onboarding, API keys, webhooks), bill payments, QR code payments.
Frontend: Customer Portal — transfer wizard, beneficiary management, standing order setup, bill payment UI, QR scanner. Admin Portal — cheque clearing dashboard, interbank reconciliation, merchant management.
Backend: JV account creation with multi-partner support, signatory rules engine, P&L calculation and distribution, JV loan facility, escrow account management (conditions, releases, disputes), JV financial reporting (consolidated balance sheet, income statement).
Frontend: Admin Portal — JV management dashboard, partner management, P&L distribution UI. Customer Portal — JV partner view, escrow status tracking.
Backend: Investment account management, stock market module (buy/sell, portfolio tracking, dividend recording, mark-to-market), money market (T-bills, repos, commercial paper), government securities (bonds, coupons), unit trusts (NAV calculation, subscriptions, redemptions, SIP), portfolio management (mandates, allocation, performance reporting, fees).
Frontend: Admin Portal — investment dashboard, security master management, portfolio views, bond/unit trust management. Customer Portal — portfolio overview, investment history.
Backend: CEFT/SLIPS integration testing, payment gateway end-to-end testing, JUnit 5 + Mockito test suites (80% coverage target), JMeter performance testing (500 concurrent users), OWASP security audit, production deployment (Docker + Nginx), database migration scripts (Flyway), monitoring and alerting setup.
Frontend: UAT with branch staff and members, bug fixes, cross-browser testing, accessibility audit (WCAG 2.1 AA), user training materials, documentation.
| Phase | Milestone | Duration | New Tables | Key Deliverables |
|---|---|---|---|---|
| Phase 1 | Foundation & Core Lending | 8 weeks | 19 | 12 loan types, guarantor workflow, EMI calculator |
| Phase 2 | Deposit Products | 6 weeks | 10 | Savings, FD, RD, Current Accounts, interest engine |
| Phase 3 | Transaction Services | 8 weeks | 22 | Transfers, CEFT/SLIPS, payments, cheques, QR |
| Phase 4 | JV & Escrow | 4 weeks | 11 | JV accounts, P&L sharing, escrow facility |
| Phase 5 | Investment Services | 6 weeks | 22 | Stocks, bonds, unit trusts, portfolio management |
| Phase 6 | Testing & Launch | 4 weeks | 0 | UAT, security audit, performance testing, go-live |
| Total | 36 weeks (~9 months) | 84 | 40 services, 300 requirements |
Banking-specific risks with severity ratings and mitigation strategies
| # | Risk | Severity | Mitigation |
|---|---|---|---|
| R1 | CBSL regulatory non-compliance | Critical | Engage compliance officer early, regulatory review at each phase |
| R2 | Data breach / unauthorized access | Critical | JWT + BCrypt + RBAC + TLS 1.3 + audit logs + IP whitelisting |
| R3 | Interest calculation errors | High | Comprehensive unit tests, parallel run with manual calculations |
| R4 | Database schema migration failures | High | Flyway migrations, staging environment testing, rollback scripts |
| R5 | IJTS slave schema changes breaking sync | High | API layer + staging table pattern (resilient ETL) |
| R6 | Performance degradation with 259 tables | Medium | Redis caching, read replicas, query optimization, indexing |
| R7 | WhatsApp API rate limits | Low | Fallback to SMS/email, message queue with retry |
| R8 | Third-party integration delays (CEFT/SLIPS/CSE) | Medium | Mock services for development, parallel integration track |
| R9 | Scope creep from stakeholder requests | Medium | Strict change control process, tiered service prioritization |
| R10 | Key personnel unavailability | Low | Cross-training, documentation, knowledge sharing sessions |