Portfolio: Confidential Technical Case Studies

Confidentiality Notice: The projects described below are protected by NDAs. Details, client identities, and specific financial data have been anonymized or abstracted while maintaining technical accuracy to demonstrate architectural and problem-solving capabilities.

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Case Study: Community-Based Financial Governance & Digital Ledger

Tech Stack: WhatsApp Business API, WhatsApp Flows, Power Automate, Power Apps (Dataverse).

Project Overview

Development of a 100% WhatsApp-native financial ecosystem designed for informal community savings groups. The solution digitizes accounting, share purchasing, and credit management through a “trust-based” digital ledger.

• Core Function: Automates the lifecycle of financial groups, from rule definition and committee elections (President, Secretary, Treasurer) to credit refinancing and real-time reporting.
• The Challenge: Eliminating the friction of external apps by leveraging a platform users already trust, while maintaining high security and data integrity.

Architecture Diagram

The following diagram illustrates the flow from user interaction to the automated governance layer:

graph TD
    User[Group Member / Committee] -->|WhatsApp Flows UI| WA[WhatsApp Business API]
    WA -->|Trigger| PA[Power Automate Orchestrator]
    PA -->|Validation & Logic| DS[(Dataverse / Power Apps Model)]
    DS -->|Anonymized Data| PA
    PA -->|Real-time PDF/Message| User
    
    subgraph Security Layer
        PA --> Auth[Phone Number Validation]
        Auth --> MultiSig[Committee Multi-approval Logic]
    end

Technical Decisions & Implementation

• Seamless Data Capture: Utilized WhatsApp Flows to build intuitive form-like experiences directly in the chat, reducing data entry errors for shares and credits.
• Automated Governance: Implemented a multi-signature approval flow via Power Automate. A meeting cannot officially open without confirmation messages from the designated committee members.
• Real-time Accounting: Developed a query engine that allows any member to generate real-time personal or group balance statements on demand, pulling data instantly from the relational model in Power Apps.
• Financial Flexibility: Built logic to handle credit cycles, share accumulation, and refinancing, all while operating as a purely informative accounting layer (no direct fund handling).

Cybersecurity & Privacy

• Data Anonymization: Implementation of protocols to ensure that sensitive accounting records are stored without exposing direct identifiers.
• Phone-Identity Mapping: Strict validation of phone numbers as the primary key for authentication within the WhatsApp ecosystem.
• Access Control: Hierarchical access based on roles (Committee vs. Member) to manage group rules and financial modifications.