Mambu Banking Engine

Ideas aimed to improve the current experience provided by the Mambu Banking Engine.

Audit trail for transactions processed via the Payment Gateway

What:

Enable audit trail (log all actions) on the transactions processed via Payment Gateway

- log every call of initiatePayment, incomingMessage, createMapping and createMappins end points with message details

- log every status change of a transaction/message within the PG with at least the following information => this should allow tenants to traceback a booking in Mambu to the individual processing history of an underlying payment message in the Payment Gateway

o Date and time of change

o System ID

o Message ID

o Message type

o Transaction number

o New Status of Message / transaction

o User that triggered the change (either technical user/system or manual user action)

- log all errors displayed in the alerts tabs currently

- log changes to Payment Gateway configuration

- log changes to users / permissions

- allow to access the logs via UI and/or API end point or any other technical means

Why:

- Payments processed via the Payment Gateway result in bookings on GL Accounts of a tenant

- Bookings on the GL Accounts impact tenant's P&L / Balance Sheet

- P&L and Balance Sheet are audited by an external audit every year

- For each booking the audit company (of course only based on samples) checks, whether sufficient evidence / supporting documentation is available, to prove that is a legitimate booking.

E.g. in Germany Basis for the accounting audit is so called GoBDs: https://www.bundesfinanzministerium.de/Content/DE/Downloads/BMF_Schreiben/Weitere_Steuerthemen/Abgabenordnung/2019-11-28-GoBD.pdf;jsessionid=24661EB54D8F7763EE97181EA426C0E3.delivery2-replication?__blob=publicationFile&v=12 (unfortunately only available in German)

- Key requirements from GoBD

o progressive and retrograde traceability of business transactions

o transactions are documented in a complete, correct, comprehensible, orderly and unmodified manner

o linking of booking and documentation

  • Alyona Gorlushko
  • Jul 2 2020
  • Planned
  • Attach files