🏦 Finance & Banking
Finance & Banking architecture diagram templates
Payments, UPI, lending, core banking and fraud detection architectures. Open any template to see the finished diagram, then use it as the starting point for your own in the Studio.
11 templates
UPI Payment Flow
The steps behind a UPI payment: the payer's app, the payer's bank, NPCI's UPI switch and the payee's bank, from entering a UPI ID to the money arriving.
Payment Gateway Architecture
A payment gateway that lets online merchants accept cards and UPI: the checkout, the payment core with fraud checks, and the card networks and banks it connects to.
Loan Origination Workflow
A personal loan from application to disbursal: KYC, credit bureau check, underwriting rules, manual review for borderline cases, and the final agreement.
Card Payment Authorisation
What happens in the second after a card is tapped or entered online: the acquirer, card network and issuing bank authorise the payment, with 3-D Secure for online payments.
Real-Time Fraud Detection Data Flow
How a bank scores every transaction for fraud in milliseconds: features from history, an ML model, rules, and a case queue for analysts.
Core Banking System Architecture
The main building blocks of a bank's core platform: accounts, deposits, loans, payments and the general ledger, used by branches, internet banking and mobile.
Digital KYC Onboarding
How a bank or fintech opens an account fully online: Aadhaar/PAN verification, video KYC, risk checks and account creation.
Stock Trading Platform Deployment
How a broker's trading platform is deployed for low latency: co-located order gateways near the exchange, and cloud services for apps and back office.
Banking Database Schema
A relational schema for retail banking: customers, accounts, transactions, cards, loans and beneficiaries.
Digital Wallet Class Model
An object model for a digital wallet app: users, wallets, transactions, payment methods and KYC levels.
Month-End Close Schedule
A finance team's month-end close plan: bank reconciliations, accruals, intercompany, reviews and reporting, day by day.
More Finance & Banking templates are being added regularly.