Hi everyone -
I have been spending some time over the past few weeks trying to understand
the current status of the Mifos Payment Gateway and determine what things
still need to be done. I wanted to summarize my understanding of where the
gateway is at.
I spoke with Avik to talk through the requirements and what work has been
done so far. Vladimir Fomene worked to develop a data model and some basic
functionality around inbound (loan repayments) and outbound (disbursements)
transactions. At the same time, Antony Omeri was developing a parallel
model and platform.Over the past couple of months Antony has developed much
of the core functionality and integrated it into the Fineract platform,
including using ActiveMQ for messaging.
You can see a demo here of Antony's work. More functionality has been
implemented since this was recorded, including porting from RabbitMQ to
ActiveMQ
https://www.youtube.com/watch?time_continue=824&v=xqWIveT57vo
And the repo is here:
https://github.com/OmexIT/fineract
It seems to me that the best course forward is to continue to build on
Antony's platform. However, there are elements of Vladimir's data model
that I think we should consider integrating into Antony's platform -
particularly the ability to configure connections between MFIs and
MMPs/aggregators. We also need to think through functionality for error
handling and rolling back transactions. Beyond that, there are additional
use cases around batch disbursals, reconciliation, etc.
If there are developers who are interested in working on bringing this
project to completion, I see at least 4 areas that need work:
1) Expanding the schema to allow configuration parameters between an MFI
and MMP (the API credentials, etc for a particular MFI connection to a
provider/aggregator)
2) Implementing a couple of specific payment providers to prove out the
functionality - possibly Beyonic and something like RazorPay
3) Implementing some kind of UI that we can use as a test platform -
testing disbursals and repayments
4) Implementing use cases that have been defined but not yet developed -
batch disbursals, reconciliation, etc.
Thanks,
Steve
