Hello Saransh,

We have been using Fineract-CN for 3 years (it was previously Mifos I/O) as a PhD Research Project, in February of 2019 we decided to change from MariaDB to TiDB (we have to create a microservice for doing the connection, with small changes to the code base of https://github.com/apache/fineract-cn-mariadb ) because large financial organization where interested in using with confidence about the data workloads (not only online but also in batch processes).

During the research we found pitfalls and opportunities in the technology stack, i.e. upgrading to Java 11, Spring Boot 2.X, replacing MariaDB (now Prostgres) and Zeebe as microservice orchestration.

More microservices have been developed like Cash Management, Teller/Branch, ISO 8583 for debit cards, SPEI and CoDi (Mexico only), HSM for PCI compliance, Soft Token (TOTP/HOTP), Loan onbording fully digitized,  Web Banking (Personal and Enterprise/Government), BAU and regulatory reports, Revolving credits, Line of Credits, Mobile Banking (based on hybrid platform) and Cash based accounting.

Documentation has been improved a lot ( CMMI Dev Level 5) i.e. all business rules, use cases, test cases, prototypes, architecture, data base structures has been fully documented. Source Code  has been statically scanned for errors, performance, workload and ethical hacking has been conducted as part of the Quality Assurance.

Is clear that Fineract-CN is not as easy for new entry levels, but the use cases are more elaborated for providing solutions for millions of people doing millions of transactions per day which require a qualified human resource team and the financial organizations that servers millions of users need to be agile, all of them require a proven & stable open source software stack, so then organization structure is also larger.

Also would be very nice to have a "next, next, next, ok" installation process or an easier maintenance model (we try to accomplish that with the Micro services architecture that currently Fineract CN implements) but that is not the goal for now, the goal is to provide financial inclusion for alleviate/eliminate the poverty.

*I think that the most important contribution which will be the success cases in Banking and Digital Transformation which are based in real needs of millions of beneficiaries, we are working hand in hand with all the departments of the financial organizations (Retail, Financial Inclusion, Social Media, Regulatory, Central Bank, Banking regulatory commission) for full compliance. *

Community maybe is asking, where have you been all this time? funds for this development, has been paid by the customers and we are working for their contribution back to the community, now the legal/technical departments are working to make this true/happen, because the customers are aware that if they have a legacy version of Fineract CN, they will lost all the benefits of open sourcing.

We strongly believe in the statement of "changing the world, one line of code at a time" and the Mifos & Apache Foundation missions.

By the way Fineract-CN is not a dead beast but a living community and we will talk about this in the ApacheCon 2020.

Best regards

Víctor Romero

Our research attract the attention of

On 26/08/20 1:12, Saransh Sharma wrote:
According to our work if you look at https://github.com/muellners/finscale-accounting , is a migration from CN services but with less efforts , according to our study we took about a week to finish the migration from CN , and now imagine if someone wants to build a new service how fast it can be.

Pointing to the other direction , this can lead to divergence from fineract CN , since it replaces the idea of less fineract based dependency by offloading it to just 2 Axon and Jhipster , your question might be why this? I don't have an answer now.

You could say:  Hey maybe rather than changing all of this , you should just bring changes to the existing work, but existing work requires more effort to change.

I invite folks from the community to try out the work themselves , and let experience speak , since many have joined already in this course of development and are liking the way this method is used.

We are bringing back the microservice pattern back to fineract CN

Thanks





On Wed, Aug 26, 2020 at 11:33 AM Saransh Sharma <[email protected] <mailto:[email protected]>> wrote:

    With most of the projects showing negligible or no activity at all
    for about an year, the fineract-cn project looks so close to being
    looked upon as an abandoned beast. And because the difficulties
    one has to go through to tame this beast, not many people get to
    enjoy the real beauty it really is. With our work, we hope to make
    a difference to this current state of the project and to attract
    more people into getting to know the project and make
    contributions by making it easier for them so that we can steer
    the project towards a more mature, stable, complete and releasable
    version.

    Currently, the fineract-cn project is no different from its
    predecessor when it comes to upgradation. The projects were not
    actively upgraded to latest versions of spring boot incrementally,
    and so it becomes a bit harder to maintain over time, is not able
    to reap the benefits of newer versions of Spring Boot and this
    also increases learning curve for newcomers because most of them
    come in just after learning technology which is relevant when
    they’re trying to make an entry. We’re planning to tackle this by
    migrating the fineract-cn group of projects over to a Jhipter
    base. By doing this, even if minor incremental upgrades are not
    done, someone could carry out an upgradation process just by
    following the Jhipter upgrade process.  The Jhipster ecosystem is
    actively under development and improved and so, by being able to
    follow them means being able to stay relevant in terms of
    technology stack rather than just being able to upgrade Spring
    Boot itself. By migrating over to Jhipster, we also aim to make it
    easier for someone who’s interested in improving fineract-cn –
    it’d be as easy as generating a new jhipster project and
    registering it with Jhipster registry(It is a Eureka server which
    also packs a spring cloud config server and many other features),
    with as less fineract-cn’ish stuff to be injected into the
    project. We have come up with a Jhipster blueprint to do these
    injections for the developers. We have got rid of cassandra in
    favour of message oriented architecture using Axon because
    cassandra becomes a point of suffering for someone who’s trying to
    deploy fineract-cn on a production scale because maintaining a
    cassandra cluster is a very complex task on its own and will soon
    turn out to be an expensive option on the infrastructural
    side(Then its no longer a project where MFIS can use). On top of
    all these we’re also making some improvements in the architecture
    of fineract-cn, by introducing more flexibility in the ability for
    a service to register and use a specific database other than
    Postgres, which is currently being used. For example, if a service
    decides to use Neo4J and not use postgres at all, it can very well
    go ahead and do this. This is currently a point where developers
    are being restricted. We’re not saying that every service needs to
    use a different database, which would soon grow to be
    unmanageable, but to give it a room for flexibility when there is
    a need.

    Eventually we can decide which version to go with if this a fork
    then be it.

    Thanks

    On Wed, Aug 26, 2020 at 10:35 AM James Dailey
    <[email protected] <mailto:[email protected]>> wrote:

        Hi Saransh -

        It's generally a good idea to:
        A) bring ideas to the community for consideration, &&
        B) to have the approach that builds on what the community is
        already investing time in doing, or...
        C) to argue in a cogent way, how your approach, whilst a
        departure from the existing, is better.

        These A,B,C's seem normative.

        So, speaking as a member of this group, I'm trying to
        understand: what you are proposing?

        Is this a significant revamp of the fineract-CN microservices
        architecture?

        Is this proposal coming from you as a potential contribution
        to fineract-CN?
        Are you proposing a new fineract project compliant w Apache
        licenses?
        Is this marketing of company services for implementation of
        fineract in a particular way?   Or a code fork ?

        Could you please clarify onlist?

        Thanks.

        On Tue, Aug 25, 2020, 9:33 PM Saransh Sharma
        <[email protected] <mailto:[email protected]>> wrote:

            Usually any open source project , typically should have
            multiple implementations (in case of Linux or Bitcoin) now
            it's up to the user which version they wish to use. We are
            proposing this new architecture in the coming Apache con,
            before that we would like to share our progress with
            Community before we actually reveal all the details.

            Some steps now in the future involves like

            1. Dry test of the functional feature , we have recently
            finished accounting migration
            2. Identity and consumer service with deposit account
            management test run.

            In my opinion, @Awasum Yannick
            <mailto:[email protected]> should join the discussion too.

            On Wed, Aug 26, 2020 at 6:27 AM Michael Vorburger
            <[email protected] <mailto:[email protected]>> wrote:

                I'm not entirely sure what this thread is about.

                If this discusses a new project ("Finscale" ?) hosted
                on https://github.com/muellners/, then I must join
                Awasum in expressing reservations about a non Apache
                project being discussed on the [email protected]
                <mailto:[email protected]> mailing list.

                If this is a discussion about possible future
                architectural evolution of the Apache Fineract CN
                project (despite the linked GDoc stating "Fineract CN
                is history and is slowly moving towards extinction."
                ?), then I guess it's fine.


                On Fri, Aug 21, 2020 at 6:58 PM Saransh Sharma
                <[email protected] <mailto:[email protected]>>
                wrote:

                    Here is the meeting recording for folks who wish
                    to watch the event.

                    
https://drive.google.com/file/d/1atM7mG4Nec2fNd9alDWrsOt9Mqqt-FEZ/view?usp=sharing

                    On Fri, Aug 21, 2020 at 4:06 PM Saransh Sharma
                    <[email protected]
                    <mailto:[email protected]>> wrote:

                        Here is the meeting link feel free to join.

                        https://meet.google.com/koa-thmo-abq?authuser=0

                        On Fri, Aug 21, 2020 at 3:43 PM Saransh Sharma
                        <[email protected]
                        <mailto:[email protected]>> wrote:

                            Anyone willing to join let me know now, i
                            will add them to the RSVP list.

                            Thanks

                            On Fri, Aug 21, 2020 at 2:53 PM Ankit
                            Muellner <[email protected]
                            <mailto:[email protected]>> wrote:

                                @Awasum,
                                I think the relevant Gdoc is a work in
                                progress discussion document
                                (something like a pre meeting note or
                                objective discussion notes) not a
                                technical wiki document. (This means
                                such a document does not require any
                                open source character.)

                                There is an OSS usage and delivery
                                policy here
                                
<https://docs.muellners.info/open-source-policies/open-source-usage-and-delivery-policies>
 regarding
                                this branched project's development,
                                consistent with Apache Fineract project.

                                We must remember that the current
                                documentation of Fineract requires
                                revamp(as is true for any
                                documentation standards) and we should
                                not further make these writeups more
                                complicated by adding anything non
                                substantial(e.g this Gdoc). This is
                                one suggestion I have for the current
                                PMC team and specifically You.
                                We must avoid creating a heavy non
                                sequential wiki. I understand we have
                                a Lazy consensus in place but for
                                certain key objectives e.g Fineract CN
                                upgrade, broader modules etc, this
                                community requires a Workflow for
                                addition of write ups to its wiki.
                                You are right once the associated
                                documentation for this thread reaches
                                maturity, we i.e Muellners should be
                                adding them to Fineract wiki  just
                                like everyone else i.e
                                
https://cwiki.apache.org/confluence/display/FINERACT/Fineract+Home
                                Hope this clarifies.

                                On Fri, Aug 21, 2020 at 10:48 AM
                                Awasum Yannick
                                <[email protected]
                                <mailto:[email protected]>> wrote:

                                    Hi Saransh,


                                    On Fri, Aug 21, 2020 at 6:40 AM
                                    Saransh Sharma
                                    <[email protected]
                                    <mailto:[email protected]>> wrote:

                                        Hey , Devs and Partners

                                        We are back with more updates
                                        and planning to host yet
                                        another session of Fineract CN
                                        Updates

                                        1. Last time we discussed
                                        product upgrade documentation
                                        (Which is in place
                                        
https://docs.google.com/document/d/1TQox0fQvQexMFj2gX6Si74osKrT5mcIGoYd-mWp3hrc/edit#)


                                    This GDoc is not openly available
                                    to everyone. Is this private to
                                    your company or is it for the
                                    Fineract Open Source Community? If
                                    we need to request for access
                                    before viewing the doc then that
                                    is not really Open Source.

                                    Will you be comfortable sharing
                                    your notes on Fineract Wiki:
                                    
https://cwiki.apache.org/confluence/display/FINERACT/Fineract+Home

                                    What libraries have you all
                                    upgraded? And have you sent PRs on
                                    our Apache Fineract CN repos? Or
                                    is this something completely
                                    private or code Open Sourced under
                                    your company Org?

                                        2. Migrating services quicker
                                        then before (We might give
                                        some walkthrough)
                                        3. We would be focusing on
                                        today's call : Migration from
                                        Fineract 1.x to CN where we
                                        use the existing functional
                                        feature in CN.


                                    Is there a repo for the above? Or
                                    a PR already opened on Fineract
                                    repos? Or is this just an idea?

                                        4. Developer Perspectives
                                        5. Deployment Scenario

                                        Thanks here is the calendar
                                        invite join in and lets spread
                                        work.

                                        
https://calendar.google.com/event?action=TEMPLATE&tmeid=M2Yzb3FjZ3ViazhzYWg3NnFxMzVvM2dhbjEgc2FyYW5zaEBtdWVsbG5lcnMub3Jn&tmsrc=saransh%40muellners.org



                                    I wonder if we can use the
                                    Fineract Wiki available here:
                                    
https://cwiki.apache.org/confluence/display/FINERACT/Fineract+Home to
                                    document the work we are doing. It
                                    will have the docs all in one
                                    place and not scattered all around.

                                    It will be great if you can record
                                    your calls and share with the rest
                                    of the community who can't attend
                                    these calls. This makes it easy
                                    for people to catch up.


                                    Thanks.
                                    Awasum



-- Ankit Müllner
                                Muellners Europe
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