Pertimbangan pembuatan TSD dalam project banking

Dalam project banking (atau financial services secara umum), dokumen TSD (Technical Specification Document) itu sangat penting karena sistemnya harus regulasi-compliant, secure, dan audit-ready.

Berikut hal-hal yang perlu diperhatikan saat membuat TSD untuk project banking:

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📌 1. Pendahuluan & Konteks

• Latar belakang sistem (misal: Core Banking, Loan System, Payment Gateway).

• Scope dokumen → sistem apa saja yang dicakup.

• Stakeholder → tim developer, QA, security, auditor, regulator.

• Standar/regulasi → OJK, BI, PCI DSS, ISO 27001.

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📌 2. Arsitektur Sistem

• High-Level Diagram → komponen utama (API Gateway, microservices, Kafka, DB, Redis, security layer).

• Integration Points → misalnya dengan core banking, ATM switch, payment network (Visa/MasterCard), dll.

• Data Flow Diagram → aliran data transaksi (contoh: transfer uang dari mobile → API → core banking → settlement).

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📌 3. Spesifikasi Teknis

• Teknologi utama → Java (Spring Boot, Reactive), Database (Oracle, MongoDB, Redis), Kafka, Docker, K8s.

• Deployment architecture → bare metal, VM, cloud (AWS, GCP, Azure), Kubernetes.

• Networking → port, ingress/egress rules, firewall.

• Scalability plan → horizontal scaling via Kubernetes, autoscaler.

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📌 4. Keamanan (Security)

• Authentication & Authorization → OAuth2, JWT, SSO, RBAC.

• Data Security

  • Encryption in-transit (TLS 1.2/1.3).

  • Encryption at-rest (AES-256 untuk DB, Redis, Kafka).

• Key Management (Vault, HSM, KMS).

• Audit Trail → semua transaksi harus log immutable (untuk compliance & fraud detection).

• Security Controls → OWASP Top 10, anti-SQL injection, anti-CSRF, rate limiting.

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📌 5. Data Management

• Data Model → ERD, schema MongoDB/Oracle, indexing.

• Data Retention Policy (berapa lama transaksi disimpan).

• Archiving Strategy → cold storage untuk transaksi lama.

• Backup & Restore → strategi HA (high availability).

• Consistency → transaksi harus ACID (atau saga pattern untuk microservices).

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📌 6. Integrasi & Messaging

• Kafka/RabbitMQ → topik, partisi, consumer group, retry & DLQ (Dead Letter Queue).

• Batch Processing → end-of-day settlement, report generation.

• External API → misalnya integrasi BI-FAST, SWIFT, VISA/MasterCard.

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📌 7. Performance & Reliability

• Latency Target → misalnya < 500ms untuk transfer antar rekening.

• Throughput → berapa transaksi per detik yang didukung.

• High Availability → cluster DB, Kafka, Redis sentinel.

• Disaster Recovery → RPO/RTO target.

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📌 8. Monitoring & Logging

• Observability → Prometheus, Grafana, OpenTelemetry.

• Log Management → ELK stack (Elasticsearch, Logstash, Kibana) atau Loki.

• Alerting → Slack/Email/PagerDuty untuk SLA breach.

• Business Metrics → jumlah transaksi, gagal transaksi, fraud detection.

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📌 9. Compliance & Audit

• Regulasi → OJK/BI compliance, PCI DSS (jika ada kartu).

• Audit Logs → immutable, disimpan min. 5–7 tahun.

• User Privacy → PII handling, GDPR/PDPA compliance.

• Change Management → semua perubahan harus lewat approval (DevSecOps pipeline).

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📌 10. Non-Functional Requirements

• Skalabilitas, maintainability, portability.

• SLA & SLO (availability target 99.9% misalnya).

• Testing strategy → Unit, Integration, UAT, Security Testing, Performance Testing.

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⚡ Jadi, TSD untuk banking harus sangat detail, tidak cuma teknis coding, tapi juga regulasi, security, dan audit karena sifat domainnya yang kritikal.