Deployed A Multilingual, Decoupled Drupal Platform In The Fintech Industry

From static websites to the most current interactive web application development, websites are designed to maximize their potential. Imagine an instance where we could incorporate various software components to create the most effective website possible. This is possible using the decoupled architecture. Decoupled architecture is the term used to describe the entire system being divided into several software components.

In decoupled Drupal, instead of a single Drupal architecture that provides content management and delivery, the goal is to segregate the front and back end entirely or at least partially. This allows front-end developers to design excellent UX while still retaining the flexibility and power of Drupal CMS through APIs.

In this case, a visitor or user does not interact directly via Drupal (thereby “headless Drupal”) but interacts with user-facing pages. These pages are built using JavaScript frameworks like Angular.js and Backbone.js, while Drupal is used as the content backend repository. With RESTful services included in Drupal 8 core, the API method is also used in popular mobile app development. With Drupal 7, modules such as Services or RestWS are utilized.

What is Decoupled Drupal?

Think about your favourite department store. You go in, enjoy the atmosphere, talk to the merchandise across the departments, or perhaps talk to an employee; however, you do not go to an area at the rear of your store. The back of the store holds things that employees can access and displays in departments that customers can view.

With decoupled Drupal, website visitors must interact directly via Drupal, just as consumers do not interact directly with the brick-and-mortar shop. Visitors will see pages built using Javascript frameworks (like Angular.js, React.js, or Ember) instead of the traditional Drupal theme. The Drupal CMS functions as a platform for editors to add content, but its primary purpose is to store content.

Decoupled Drupal is a way to separate your front-end experience from your backend CMS. This image clarifies the distinction between traditional Drupal design and an uncoupled Drupal configuration.

Features Available in your Fintech App

Mobile phone use has led to an increase in new financial services that are excellent fits for mobile phones. Since the last few years, the overall number of transactions made via mobile has been exploding. With the emergence of Neo-Banks and super apps that facilitate digital payments, studies indicate that the worldwide expansion of financial apps is in the midst of an enormous expansion. Digital payment options are expected to be used.

Financial institutions should seriously think about adding the following features to their mobile banking applications to stay ahead of customer demands:

A Streamlined Layout and Straightforward Navigation

The primary need is an intuitive and user-friendly interface. Many apps provide users with confusing interfaces and poor directions and prompt them to delete the app they are using. The app can aid users in getting around with the ability to search. This is accessed by entering a query into the app or using the device’s microphone to inquire.

An Adaptive and Customized Adventure

The most important feature is the ability to customize the application for each user. The younger age group is vital, and this feature can assist in attracting and keeping those who are customers. Think about adding dynamic virtual assistants and personalized information within the app that adapt to the individual’s spending habits and income.

Replacements for Customer Support

The most reliable mobile banking apps or banking and financial software development help their customers in various ways. Customers will have less difficulty contacting the banks if they experience any queries or concerns.

Communications (Text, Email, etc.)

Alerts and notifications are essential for staying in contact with customers and promoting products suitable for their needs. If alerts appear frequently or are too frequent, users may get annoyed. There must be a method for users to choose or define preferences for the type, timing, and frequency of the messages they receive.

Improved Login Security, Improved Password Policies

Security has been deemed the most essential attribute, with a rapid increase in hackers and cyber-crimes. Customers are likely to want assurance that their private information is safe. If mobile apps provide the best security, users can use their devices without worries.

Electronic Money Transfers

Furthermore, digital payment is likely a top priority for most consumers and thus is a crucial feature. In the present cashless world, mobile banking apps must give users easy access to various options for digital payments, including UPI, mobile wallets, and similar services.

Inter-Peer Transfer of Funds

Because of the pandemic, fewer people carry cash, and those who do tend to have the least amount available. P2P transactions, called peer-to-peer payments, permit users to send and receive financial transfers between them and other platform users, generally through a mobile application.

Language Preferences around the World

72% of consumers claim they are hesitant to utilize digital apps and digital transactions due to an inability to speak English. And general discontent with the internet is a barrier to making digital payments. With the growing popularity of mobile banking in underserved areas, developing a mobile application that supports multilingual languages might be beneficial in making the online ecosystem accessible to everyone.

Management of Accounts

The ability to personalize each customer’s interactions is vital to providing them with a unique experience when they use your service or product. Due to this, financial institutions and credit unions can now offer customers a bespoke account management platform tailored to their individual needs.

Finder of ATMs

Despite its apparent simplicity despite its apparent simplicity, the ATM locator is an efficient tool that a vast majority of customers need. Furthermore, it could be utilized to demonstrate the customer service aspect, a task which, with the aid of VR, could be made more engaging.

Suppose you’ve got an excellently designed mobile banking application that includes these essential elements. In that case, you’ll make it easier to acquire new customers, keep ahead of the pack, and offer excellent service to your existing customers.

Benefits of Headless Decoupled Drupal

There are a variety of reasons companies may choose to take an approach that is headless to Drupal. Below, we’ll list the most popular reasons.

More Consumers of Content

Nowadays, brands are communicating with their clients not only through their websites but also through multiple channels. Content Management System does not only deliver content to browsers. CMS pushes content out to other sites. Learning more about the evolving marketing landscape in a blog post on the Digital Experience Platforms is possible.

Drupal is ideally placed as a content source for many customers. In addition to serving content for front-end websites, Decoupled Drupal can serve content via an API that can be accessed through various other media where the brand would like to be visible:

• Mobile Applications
• IoT
• Kiosk Displays

Microsite Manager

Sometimes, companies must develop multiple websites (e.g., one for each event, brand promotion, and country) with various information. In this case, building a single engine (Drupal) that can deliver content to all microsites may be more efficient. The microsites could be constructed quickly and shut down whenever required, and the content could be placed in a single content hub.

Need for an Elegant UI

Drupal is an excellent platform for creating content and data storage, but it’s developed with PHP, an engine that renders on the server side. A website or application must be written in Javascript if it needs a complex UI or is simply interactive.

Javascript lets us build excellent and speedy interactions that are simple for users to navigate. Libraries like Angular, React, or Vue allow developers to develop complex front-end apps quickly. Progressive Web Applications, a standard developed by Google, is also growing in popularity and requires a program to be written in Javascript.

If you’re looking to build an interactive Drupal web development, combining it with a front-end Javascript framework can be an excellent choice. 

Diversification of Teams

Drupal specialists are difficult to find. To make progress faster, certain businesses choose to develop the backend of Drupal and transfer the frontend to a Drupal development team specialising in a different type of technology, with more talent accessible or easier to master.

Another advantage of bringing in multiple teams to work on the same task is that they can share best practices from different sources. This can result in more successful end products instead of relying on one group to develop the front and back end.

Reducing Technological Dependency on One Platform

The larger the system built upon Drupal, the higher the dependence on it. Abstracting Drupal from being a frontend development service lets companies remain more agile in the evolution of frontend technology without the need to build or redesign their Drupal backends.

Many websites that need to maintain a fresh, modern design undergo a revamp every couple of years. If the front end can be separated from the backend, it’s easy to revamp. In this case, the total cost of the site could be lower than when the Drupal website was to be renovated.

Challenges of Decoupled Drupal

In addition to its merits, decoupling also has its set disadvantages. But, if the advantages outweigh the disadvantages, that is your decision. Let’s talk about these issues:

Web of Systems

A decoupled system is now a collection of systems as an entire, and identifying the root of a problem becomes more difficult.

High Development Cost

Decoupling is almost always more expensive than building an existing site since it requires additional infrastructure and the re-creation of solutions offered by traditional Drupal.

Complex Architecture

It is more sensible to utilize a decoupled model’s much more complicated infrastructure stack when developing more than a simple website, such as an API that can serve multiple customers. The logic for front-end displays must not be encoded within the API to prevent deadlocks.

Time-Consuming Tasks

Specific tasks can be challenging in a decoupled system. For example, a content preview before publishing may look different from the page, and you can’t look at it in a preview because you don’t know what it will look like.

How to Employ a Committed Drupal Developer?

When deciding on candidates for Drupal project development, there are several things to consider to hire dedicated Drupal developers, for example:

Outlining the Needs for the Project

Define the functions, features, and capabilities required to build a Drupal application or website. This procedure allows recruiters to focus on dedicated Drupal developers with the proper expertise.

Assessing the Funds

Every business has a budget for hiring employees. The budget was made considering the project’s complexity, the required skills, and the estimated timeframe.

Choosing The Hiring Method

Hiring a great Drupal developer is possible in various ways. Developers can be hired directly, collaborate with recruitment firms, and look at social media sites, Drupal communities, and freelance websites.

Developing Detailed Job Descriptions

Create a detailed job announcement that includes industry-specific technical and soft skills. Include any other skills specific to the job, like understanding Drupal Moving, Drupal 10, or Decoupled Drupal. Advertise the job on the right platforms, according to the hiring process.

Examining Practical Experience

If you’re hiring a developer, the developer’s experience is essential. Hire dedicated Drupal developer with experience working with Drupal 8, 9, 10, or different versions. An experienced developer with coding skills can result in a more precise project implementation.

Assessing Task and Time Management Capabilities

Developers often have to meet tight deadlines while maintaining the quality of their work. They need to learn these skills to contribute effectively to developing innovative initiatives.

Evaluating the Willingness to Improve

You must ensure the developer you’re considering working with has enough patience, passion, and experience to give you the best results possible. They also need to be excited to learn new methods and techniques.

Assessing Communication Capabilities

Developers should communicate their ideas and potential issues and possess strong technical capabilities. This helps ensure they align with the customer’s needs and improves collaboration.

Evaluating Problem-Solving Ability

A solid base of problem-solving skills is vital for any skilled developer. It assists in identifying and resolving problems, such as code snags, that will undoubtedly happen during projects.

Verifying Their ID on GitHub

An excellent resource for understanding the style of programming of a developer and subject matter expertise ability, vision, and style is GitHub. The candidate’s GitHub ID might help determine whether or not they’re an ideal fit for the job.

Examining Community Participation

A developer’s reputation within the Drupal community could be a good indicator of how well coordinated, collaborative and social they are. Participating in the community’s activities reveals their previous work, abilities and expertise. Some developers do not interact with their peers as frequently, but they can be productive by displaying their profiles.

Making The Last Decision

Take the final decision about the Drupal developer of the project after a combination has made the shortlist of:

• Comprehensive Interviews: During the interview, evaluate the candidates’ communication skills in problem-solving and technical expertise. You can ask questions specific to Drupal and then consult an expert in technical matters for a more in-depth analysis.
• Check References and Portfolios: Check references are provided, look through code samples, and evaluate whether your Drupal programmers work according to the project’s requirements and specifications.
• Assessment of Cultural Fit: Examine a candidate’s communication styles, cooperative tendencies, and working patterns to ensure they are compatible with the dynamic of the team they are currently in.

Examine their abilities in practice by offering them a role exclusive to Drupal to assess their level of programming expertise and their knowledge of industry-leading practices.

Frameworks to Deliver a Complete Omnichannel Digital Experience

Several components interact and work together in a decoupled framework to provide a rich digital experience. Here are these elements.

Front-End Framework: The front-end framework for web development is accountable for providing the interface for users to the site. It is the area of the system that users interact with.

CMS: CMS, also known as the system for managing content on this website, is accountable for storing the database of data and content of a decoupled platform that communicates with the front end using APIs.

Customized Content Delivery: A crucial aspect of providing an omnichannel, decoupled experience is the degree of personalization that can be accomplished through decoupling. The decoupled Drupal method can tailor the user experience to each user.

Customer Journey Map: Customer journey mapping is another important aspect of providing an omnichannel experience. If you can observe and monitor how your customers move along their journey, it’s much easier to direct them toward the point of conversion.

Integrations with Virtual Assistants: Drupal’s API-first approach allows it to use a wide range of out-of-the-box APIs. Drupal is the content storage system for the front end, delivering information that can be accessed by any assistant, whether for desktop or mobile. The virtual assistants available through Decoupled Drupal are Alexa, Cortana, Google Assistant, and Siri.

API-First Methodology: In a fully decoupled system, the front end, back end, and the other layers communicate with one another via APIs. Drupal’s API-first design makes it a great choice for an uncoupled system.

Cost of Building a FinTech App

Each move, regardless of how small, determines the significance of FinTech app development in the business world. The cost of creating an app for mobile devices can vary between $20,000 and $60,000, but the most common price is $35000.

The field of financial technology is growing rapidly, with new ideas and concepts being developed into applications. As time passes, the significance, value and importance of technology in finance become clearer. Being overwhelmed by the myriad of latest financial concepts, ranging from cryptocurrencies such as Ethereum to Bitcoin and non-fungible currencies (NFTs), is a familiar feeling. You’re not alone. Constant development through new special financial software has driven the rapidly expanding fintech sector.

Thanks to the rapid advancement of technology and the decreasing costs associated with the creation of applications for financial technology. The chance of an even greater disruption to financial technology is significant. In 2030, the market for financial technology is projected to reach $699.50 billion. The number of online banking consumers is expected to grow by $197 million from 2021 up to $217 million by 2025.

It is estimated that the cost of developing a mobile application for FinTech and updating it regularly based on the latest technology and the most advanced solutions is expected to range between $60,000 and $100,000. The amount could reach $250,000, which is required to handle a complicated financial application.

Conclusion

The world is experiencing the world by storm, and banking institutions are responding to requirements quickly to stay ahead of the pack as they offer alternatives to financing branches-less banking, and many others. However, the requirement for businesses to create new ways to accomplish their goals can be achieved by Drupal. The other applications, Blockchain technology, AI Big Data, and Cloud, are accessible for leveraging a complete data ecosystem; however, they have a few mitigation risks.

These projects will substantially improve automation, digitalization, quality, analytics, security, and compliance to develop your business model further. Contact us today to hire expert Drupal developers. They can explain why you should choose Drupal as your CMS platform.