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What is
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Tazama
Ekuta Tazama is an Open Source solution built to support any Digital Financial Services Provider (DFSP) that requires Transaction Monitoring. Whether that DFSP is a small provider running one or 2 transactions per day or a national payment switch running at over 3,000 Transactions per second. With it they can implement simple or complex rules, implement Fraud Detection controls or support Anti Money Laundering activities.
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Further information on Typologies and the approach adopted are available from the Mojaloop convening. Just after 7 minutes and 35 seconds in this video there is a recap of the APRICOT model.
Solution Components of
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Tazama
The Ekuta Tazama solution has a number of key components that have been selected and architected to allow maximum flexibility, ensure data protection, and reduced Operational Costs. They are the:
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As the Minimum Viable Product of Ekuta Tazama has been built for the Mojaloop Payment Switch, a subset of the ISO 20022 messages are currently supported. In Mojaloop, the QUOTES messages are expected to be translated to pain.001 (POST) and pain.013 (PUT) and the TRANSFER messages are translated to pacs.008 (POST) and pacs.002 (PUT). It is expected that the Ekuta Tazama platform will be prefaced with a Payment Platform Adapter to transform non-ISO 20022 messages, such as the ones used by Mojaloop, into the ISO 20022 format required by the TMS API. The Payment Platform Adapter is not in scope for the Ekuta Tazama MVP.
Further information on the role of the TMS API is available on the Transaction Monitoring Service API page.
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Customer PII is intended to be protected through pseudonymisation as early in the process as possible and is the first step in data preparation. Pseudonymisation was not implemented exhaustively in the Ekuta Tazama MVP. The only information that is being pseudonymised is the combination of fields that make up the account information for the debtor and the creditor:
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The final assessment step is to consolidate all the results from all the channels and persist the results by writing the transaction evaluation results to the database. The complete results can also be routed to a Case Management System via an egress API. The Ekuta Tazama platform does not currently integrate with an existing Case Management System, but does have the capability to submit the transaction evaluation results in JSON format to an external platform. An implementer will be able to use this JSON output to pass an alert to their existing Case Management or Ticket Management systems.
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