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  • Consent Creation: Handles user consent requests for financial data access
  • Consent Lifecycle: Manages consent states (approved, rejected, revoked, expired)
  • Partial Data Storage: Stores minimal consent metadata before full data access
  • Audit Trail: Maintains comprehensive logs of all consent operations

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2. Data Processing Engine

  • Data Ingestion: Receives and validates financial data from TSP callbacks
  • Data Transformation: Converts various data formats into unified schema
  • Transaction Parsing: Extracts transaction details, merchant information, and metadata
  • Data Validation: Ensures data integrity and completeness

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3. Analytics Generation Engine

  • Transaction Categorization: Automatically classifies transactions into 30+ categories
  • Pattern Recognition: Identifies recurring payments, salary credits, and spending trends
  • Financial Metrics Computation: Calculates cash flow, savings rate, debt ratios

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4. User Data Sharing Service

  • Backend Only APIs: Provides API for getting analytics for user
  • User Portfolio: Provides frontend for users to access their analytics data via frontend

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5. Database Layer

  • User Profiles: Stores user information and preferences
  • Consent Records: Maintains consent details and status
  • Financial Data: Securely stores transaction and account information
  • Analytics Data: Optimized storage for analytics generated

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System Performance Metrics

  • Processing Time: < 30 seconds for 12 months of transaction data
  • Throughput: 1000+ consent processing per minute
  • Accuracy: 97% for transaction categorization
  • Uptime: 99.9% service availability SLA
  • Response Time: < 200ms for dashboard APIs
  • Concurrent Users: 10,000+ simultaneous users supported
  • Data Freshness: Analytics updated within 5 minutes of data receipt
  • Cache Hit Rate: 95% for frequently accessed analytics data