Business Continuity Suite Overview PREMIUM
The Business Continuity Suite is Banclo's premium solution for providing read-only data resilience within your institution's infrastructure. This enterprise-grade system ensures your organization maintains complete control and access to its loan origination data through synchronized, read-only instances deployed in your own environment.
What is the Business Continuity Suite?
The Business Continuity Suite transforms your standard Banclo deployment into an even more resilient lending platform by providing read-only synchronized copies of your loan origination data within your own infrastructure. This enterprise-grade solution ensures that your organization maintains complete control over its data and applications for as long as needed, providing ultimate business resilience and data sovereignty.
The Business Continuity Suite creates read-only instances of your lending platform that continuously receive synchronized data from Banclo Cloud, allowing your institution to maintain comprehensive records and access to historical loan data within your own controlled environment while maintaining data integrity and security through sophisticated synchronization mechanisms.
Key Features
Data Sovereignty and Control
The suite provides read-only synchronized copies of your loan origination data within your own infrastructure, ensuring your institution maintains complete control over its information for as long as needed, regardless of external dependencies.
Secure Data Synchronization
The system continuously synchronizes data from Banclo Cloud to your read-only instances using military-grade encryption and secure transfer protocols. All data transfers are authenticated and encrypted, maintaining complete audit trails.
Infrastructure Flexibility
Deploy read-only instances as Docker containers within your own data centers or cloud infrastructure, ensuring complete control over data location and access while maintaining compatibility with Banclo's cloud services.
Comprehensive Monitoring
Advanced monitoring shows the synchronization status of each instance, data transfer progress, and system health, providing complete visibility into your data resilience infrastructure.
How the Business Continuity Suite Works
The Business Continuity Suite operates through a sophisticated synchronization architecture that maintains read-only data copies within your infrastructure:
Synchronization Process Components
Business Continuity Suite: Your self-contained lending application deployed within your infrastructure that maintains synchronized copies of loan origination data. It runs an automated hourly sync process (cron: 0 */1 0 0 0) and provides read-only access to your internal systems.
Banclo Cloud: Your primary cloud-based Banclo platform that serves as the authoritative source for all loan origination data. It handles authentication, encrypts data with X.509 certificates, and streams loan information to your Business Continuity Suite.
S3 Compatible Storage: Secure cloud storage that houses all loan-related files including documents, images, and PDFs. Files are retrieved on-demand during synchronization and encrypted before transfer to your Business Continuity Suite.
PostgreSQL Database: The secure database within your Business Continuity Suite that stores synchronized copies of all loan origination data and file metadata. All data is encrypted at rest and regularly updated through the sync process.
X.509 Encryption: All data transfers between Banclo Cloud and your Business Continuity Suite are encrypted using enterprise-grade X.509 certificates, ensuring maximum security for sensitive loan information and associated files.
Internal Systems Integration: Your Business Continuity Suite provides webhooks and OAuth 2.0 API access, enabling your internal systems to receive notifications and access read-only loan data securely.
Understanding the Sync Process
The sequence diagram shows exactly how your Business Continuity Suite stays synchronized with your loan origination data through a secure, automated process:
Step 1: Scheduled Synchronization
Every hour, your Business Continuity Suite automatically initiates contact with Banclo Cloud using a secure access token. This hourly schedule ensures your local data stays current without requiring constant connectivity.
Step 2: Authentication and Authorization
Banclo Cloud validates the access token using cryptographic comparison against stored credentials. Once verified, the cloud responds with a list of loan request IDs that have been updated since the last synchronization.
Step 3: Secure Data Streaming
Your Business Continuity Suite requests the actual loan data using the /sync/batch endpoint. Banclo Cloud responds with an event stream containing encrypted loan information. Each loan's data is individually encrypted using X.509 certificates before transmission.
Step 4: Local Data Processing
As encrypted events arrive, your Business Continuity Suite:
- Decrypts each data package using its RSA private key
- Maps the decrypted information to your local database structure
- Securely stores the data in your PostgreSQL database
Step 5: File Synchronization
After processing loan data, the system synchronizes associated files from S3 compatible storage. Banclo Cloud retrieves documents, images, and PDFs from secure cloud storage, encrypts each file with X.509 certificates, and transfers them to your Business Continuity Suite for local storage in your infrastructure.
Step 6: Internal System Integration
Once synchronization completes, your Business Continuity Suite can trigger webhooks to notify your internal systems of updated data. These systems can then use OAuth authentication to access the newly synchronized loan information through read-only API endpoints.
Use Cases
Data Sovereignty and Control
Lending institutions requiring complete control over their data can maintain synchronized copies within their own infrastructure, ensuring loan origination data remains accessible for as long as needed without external dependencies.
Regulatory Compliance
Financial institutions subject to strict data residency requirements can maintain complete loan origination records within their jurisdiction while benefiting from Banclo's cloud capabilities.
Business Continuity Planning
Organizations can establish comprehensive data backup strategies by maintaining real-time synchronized copies of all lending operations within their controlled environment.
Long-Term Data Retention
Lenders can maintain historical loan data, client records, and operational information for extended periods within their own infrastructure, supporting compliance and business analysis requirements.
Audit and Reporting
Complete read-only access to synchronized loan origination data enables comprehensive audit trails and regulatory reporting while maintaining the integrity of the primary cloud operations.
Benefits Over Traditional Cloud-Only Systems
Traditional cloud-only lending systems provide no data sovereignty or long-term control. The Business Continuity Suite addresses these limitations by providing:
Complete Data Sovereignty: Lending institutions maintain full control over their loan origination data within their own infrastructure Zero External Dependencies: Read-only instances operate independently once deployed, ensuring data access for as long as needed Regulatory Compliance: Meet strict data residency and retention requirements while leveraging cloud capabilities Infrastructure Control: Deploy within your own data centers or private cloud environments Long-Term Data Security: Maintain encrypted copies of all loan origination data with enterprise-grade security
Getting Started
The Business Continuity Suite requires technical setup by your IT team or system administrator. The process involves:
- Infrastructure: Prepare Docker-capable servers or cloud instances
- Deployment: Install and configure offline instances
- Integration: Set up OAuth clients and webhook endpoints
- Testing: Verify synchronization
Contact your Banclo representative to discuss licensing and implementation of the Business Continuity Suite for your organization. This premium feature is available as an add-on to existing Banclo Enterprise plans.
The Business Continuity Suite represents the next evolution in banking technology resilience, ensuring that your financial services operations remain robust, secure, and available regardless of external circumstances.