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:
📌 1. Pendahuluan & Konteks
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Latar belakang sistem (misal: Core Banking, Loan System, Payment Gateway).
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Scope dokumen → sistem apa saja yang dicakup.
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Stakeholder → tim developer, QA, security, auditor, regulator.
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Standar/regulasi → OJK, BI, PCI DSS, ISO 27001.
📌 2. Arsitektur Sistem
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High-Level Diagram → komponen utama (API Gateway, microservices, Kafka, DB, Redis, security layer).
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Integration Points → misalnya dengan core banking, ATM switch, payment network (Visa/MasterCard), dll.
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Data Flow Diagram → aliran data transaksi (contoh: transfer uang dari mobile → API → core banking → settlement).
📌 3. Spesifikasi Teknis
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Teknologi utama → Java (Spring Boot, Reactive), Database (Oracle, MongoDB, Redis), Kafka, Docker, K8s.
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Deployment architecture → bare metal, VM, cloud (AWS, GCP, Azure), Kubernetes.
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Networking → port, ingress/egress rules, firewall.
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Scalability plan → horizontal scaling via Kubernetes, autoscaler.
📌 4. Keamanan (Security)
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Authentication & Authorization → OAuth2, JWT, SSO, RBAC.
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Data Security
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Encryption in-transit (TLS 1.2/1.3).
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Encryption at-rest (AES-256 untuk DB, Redis, Kafka).
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Key Management (Vault, HSM, KMS).
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Audit Trail → semua transaksi harus log immutable (untuk compliance & fraud detection).
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Security Controls → OWASP Top 10, anti-SQL injection, anti-CSRF, rate limiting.
📌 5. Data Management
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Data Model → ERD, schema MongoDB/Oracle, indexing.
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Data Retention Policy (berapa lama transaksi disimpan).
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Archiving Strategy → cold storage untuk transaksi lama.
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Backup & Restore → strategi HA (high availability).
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Consistency → transaksi harus ACID (atau saga pattern untuk microservices).
📌 6. Integrasi & Messaging
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Kafka/RabbitMQ → topik, partisi, consumer group, retry & DLQ (Dead Letter Queue).
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Batch Processing → end-of-day settlement, report generation.
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External API → misalnya integrasi BI-FAST, SWIFT, VISA/MasterCard.
📌 7. Performance & Reliability
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Latency Target → misalnya < 500ms untuk transfer antar rekening.
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Throughput → berapa transaksi per detik yang didukung.
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High Availability → cluster DB, Kafka, Redis sentinel.
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Disaster Recovery → RPO/RTO target.
📌 8. Monitoring & Logging
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Observability → Prometheus, Grafana, OpenTelemetry.
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Log Management → ELK stack (Elasticsearch, Logstash, Kibana) atau Loki.
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Alerting → Slack/Email/PagerDuty untuk SLA breach.
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Business Metrics → jumlah transaksi, gagal transaksi, fraud detection.
📌 9. Compliance & Audit
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Regulasi → OJK/BI compliance, PCI DSS (jika ada kartu).
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Audit Logs → immutable, disimpan min. 5–7 tahun.
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User Privacy → PII handling, GDPR/PDPA compliance.
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Change Management → semua perubahan harus lewat approval (DevSecOps pipeline).
📌 10. Non-Functional Requirements
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Skalabilitas, maintainability, portability.
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SLA & SLO (availability target 99.9% misalnya).
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Testing strategy → Unit, Integration, UAT, Security Testing, Performance Testing.
⚡ Jadi, TSD untuk banking harus sangat detail, tidak cuma teknis coding, tapi juga regulasi, security, dan audit karena sifat domainnya yang kritikal.
