Hello everyone,

Following up on my earlier architecture overview for
https://lists.apache.org/thread/o2fbddp80moofh8bzpxroy9wz2f2grgs , I'd like
to share a progress update.
Completed Work

Over the past few weeks, I have focused on implementing the customer-facing
capabilities of the Loan Origination System while keeping the architecture
aligned with Apache Fineract.

Some of the major milestones completed are:

   -

   Built the customer-facing REST API surface under /api/v1/customer/**,
   with a dedicated configuration separate from the existing staff APIs (
   /api/v1/**).
   -

   Implemented row-level data scoping.
   -

   Completed the backend workflow required for customer loan application
   management.
   -

   Continued refining the overall backend architecture and API design.

Current Architecture

The current implementation follows a separation of responsibilities:

   -

   *Customer Portal (Angular)* communicates with the *Loan Origination
   System (Spring Boot)*.
   -

   The *Loan Origination System* maintains its own database for loan
   applications, applicant profiles, credit scores, and related LOS data.

Current Assumptions

At the moment, the implementation assumes:

   -

   Customers already exist as Apache Fineract clients.
   -

   External identity verification (KYC) is outside the scope of the project.
   -

   External credit bureau integration is also outside the current scope.

The remaining work primarily involves:

   -

   Integrating authentication endpoint.
   -

   Verifying that the Fineract instance contains provisioned self-service
   users for existing clients.
   -

   Completing the customer-facing Angular frontend.
   -

   Performing end-to-end integration and testing.

As always, feedback and suggestions from the community are greatly
appreciated.

Thank you!

Best regards,

*Sujan Kumar*
GSoC 2026 Contributor

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