Aquila Core Banking System
Lead Product Designer (End-to-End)
6 Months
10 Cross-functional Members
Web Application (Staff/Admin)
Live Product
Aquila Core Banking
Aquila Core is a modular enterprise banking infrastructure designed for microfinance institutions operating across single and multi-branch environments. The system unifies loan lifecycle management, deposit orchestration, inter-branch liquidity control, compliance reporting, and hierarchical governance within a structured financial core.
The architecture was intentionally designed to balance operational agility with regulatory-grade financial integrity — enabling institutions to scale without compromising reconciliation accuracy, audit traceability, or decision clarity.
System Architecture & Modular Core Strategy
The infrastructure was built around modular banking logic, allowing institutions to enable or disable components based on operational maturity. Multi-branch logic dynamically restructures financial summaries while preserving consolidated oversight.
Core Modules
Client onboarding, loan lifecycle management, deposit management, accounting, transfers, and reporting modules.
Branch Logic
Institutions with multiple branches trigger comparative reporting and performance-level segmentation.
Role-Based Access & Governance Control
Access was structured hierarchically to preserve financial integrity, reduce error exposure, and enforce accountability.
Super User
Full system control including branch configuration, permission assignment, and global financial oversight.
Senior Branch Manager
Branch-level performance monitoring and loan approvals within assigned branch scope.
Financial Analyst
Access to reports, portfolio health tracking, and institution-wide financial analysis.
Accounts Officer
Operational control over deposits, withdrawals, and transaction processing.
Reporting & Institutional Oversight
Structured reporting modules provide deep operational transparency across clients, loans, deposits, and organizational performance.
- Branch portfolio performance reports
- Top client exposure reports
- Deposit balance summaries
- Loan repayment tracking reports
- Organization-wide financial breakdowns
Adaptive Dashboard Intelligence
Dashboard intelligence adapts based on institutional scale, restructuring visualization logic to preserve clarity and decision focus.
Loan Creation Process
Deposit Creation Process
Regulatory Structure & Risk Modeling
Financial workflows were structured to minimize systemic exposure. Loan approvals, transaction thresholds, and branch-level permissions follow tiered validation logic to reduce operational risk.
Approval Hierarchies
Multi-layer authorization checkpoints for loan issuance and high-value transactions.
Audit Traceability
Immutable transaction logs ensure transparent historical accountability.
Liquidity Oversight
Inter-branch transfers structured to preserve consolidated capital visibility.
Portfolio Monitoring
Loan performance segmentation by branch, risk profile, and repayment velocity.
Security & Financial Integrity
Structured permission layers, audit logging, and approval checkpoints reduce financial risk exposure while preserving operational flexibility.
Impact & Outcomes
Institutional deployment across pilot microfinance environments demonstrated measurable gains in reconciliation accuracy, decision velocity, and cross-branch financial governance.
Modeled Institutional Outcomes
Performance metrics are derived from structured operational modeling and pilot deployment benchmarks across multi-branch environments.
38%
Reduction in manual reconciliation processes.
27%
Faster loan approval cycle across branches.
31%
Improved cross-branch performance visibility.
22%
Reduction in transaction-level processing errors.
