Congratulations! You've just been hired by an exciting new FinTech startup that is bringing some fresh ideas to the stodgy old banking industry. The company is still in the early phases of building out its technology platform, so there's plenty of work left to be done.
On your first day, the founders gave you a huge list of features they'd love to add to the system and not much more direction than that. They're trying out a management style where engineers can self-organize and pick up whatever tasks they feel are the most valuable to the company.
The good news is that most of the codebase is pretty readable and well-tested. There are a couple areas, though, where you can tell they cut corners to get a feature out the door.
dotnet run/account/{accountID}/balance: Get the current balance of the account with ID {accountID}. For example, http://localhost:8080/account/a36aca2e-417f-45ed-83f8-55d7ecc69e5e/balance.
Lots of them!
| Ideas! | Ideas! | Ideas! |
|---|---|---|
| Fraud alerts by email | Certificates of deposit | Check OCR deposit |
| Transaction history | External linked account | Available balance |
| Account statement | Activate debit card | Posted balance |
| Inter-account transfers | Freeze account | Overdraft fees |
| Interest accrual | Tax reporting (1099-INT) forms | Minimum balance requirements |
| Transaction log | Scheduled transactions | Direct deposit requirements |
| Customer information | Automatic overdraft protection | Loan qualification |
| Check deposit | Low balance notifications | Credit score reporting |
| ACH clearing | Transaction notifications | Bitcoin/Ether conversion |
| Bill pay | Beneficiaries | Foreign transaction fees |
| Text notifications | Transaction notes | Out-of-network ATM fees |
| Travel notice | Transaction categories | ATM fee reimbursement |
| Fraud detection | Budget tracking | Account audit log |
| Transaction location/mapping | Rewards points | Customer relationship tracking (calls, support, etc.) |
| Joint accounts | Close account | Virtual account numbers |
| Authentication, security questions, etc. | open account | Customer service automated phone line (balance inquiry, etc.) |
| Savings and checking account types | Identity verification | Transaction GPS location |
| Download data to Quicken/Money/Excel/JSON | Physical address verification | Authorize debit transaction |
| Customer referral bonus | Returned deposit charge (bounced check) | Put funds on hold |
| Account maintenance fees | Inactivity fee | Sort transactions by date, amount, etc. |
| Hard-copy statement fee | Business accounts | Database-based storage |
| PDF statements | Change debit card PIN | Robust error handling |
| Replacement debit card fee | Link additional debit card | Blockchain smart contracts |