ARCHITECTURE AND INTERACTION ALGORITHMS OF BANKING AND PAYMENT SYSTEMS IN THE AUTOMATED CREDIT LIMIT ESTABLISHMENT PROCESS

Abstract

The automation of credit limit establishment represents a critical intersection of risk management, financial technology, and economic policy. This article examines the architectural frameworks and algorithmic interactions between banking and payment systems that enable automated credit decision-making. Based on systematic analysis of contemporary banking infrastructures, we identify key components including scoring engines, processing centers, and card management platforms that interact through REST APIs and asynchronous messaging systems (Apache Kafka). The research reveals that modern credit limit automation systems employ hybrid architectures combining microservices principles with event-driven communication patterns, enabling real-time risk assessment while maintaining regulatory compliance. Findings demonstrate that implementation of such systems directly impacts financial inclusion, credit portfolio quality, and operational efficiency of financial institutions.