Google Summer of Code 2025 Ideas
The Mifos Initiative has been accepted as a mentoring for the 2025 Google Summer of Code and accepted 13 interns from a record 209 applicants through Google Summer of Code. In addition, we have 6 Code for GovTech interns and 4 Mifos Summer of Code interns.
Get Stoked - End Poverty. One Line of Code at a Time.
- 1 Get Stoked - End Poverty. One Line of Code at a Time.
- 1.1 2025 Google Summer of Code - Get to Know Mifos
- 1.1.1 Core DPG Technology Stack
- 1.1.2 Digital Public Infrastructure
- 1.1.3 AI for All
- 1.1.4 Security
- 1.1.5 Modularization on the Back and Front-End
- 1.1.6 Integrations & POCs
- 1.1.7 Payments
- 1.1.8 Small Projects
- 1.1.9 Recent Talks at Conferences
- 1.2 Product Overviews
- 1.1 2025 Google Summer of Code - Get to Know Mifos
- 2 Guidelines
- 2.1 Expectations
- 2.2 Prerequisite Skills
- 2.3 Source Code of DPGs & Projects
- 2.3.1 Mifos X
- 2.3.2 Mifos Gazelle
- 2.3.3 Mobile Apps: Overview
- 2.3.4 Payment Hub EE
- 2.4 Hints
- 3 Project Ideas
- 3.1 Large Projects
- 3.1.1 Migrate Android Client to Kotlin Multiplatform
- 3.1.2 Making Mobile Wallet Deployment-Ready for G2P and Merchant Use Cases
- 3.1.3 Integrate Mifos X with Workflow Engine/Process Automation Tool
- 3.1.4 Build new Modern Web UI for Mifos X using ShadCN Reusable Components
- 3.1.5 Extend and Evolve UI Library of common components across all Mobile Apps
- 3.1.6 Mifos Gazelle: Postman Coverage
- 3.1.7 Voice-Driven Banking via Large Acoustic Models (LAMs) (AI)
- 3.1.8 LAM (Large Action Model) for Fineract (AI)
- 3.1.9 Generative AI to Improve Mifos Documentation
- 3.1.10 Fraud & Risk Management & Transaction Monitoring POC (Tazama) (AI)
- 3.1.11 Kotlin Multiplatform App Template Framework
- 3.1.12 Kotlin Multiplatform App Health Framework
- 3.1.13 Open Banking/PISP Fintech App Framework Version 3.0 (GovTech)
- 3.1.14 Micro Front-ends Proof of Concept for Fineract 1.x & Mifos X
- 3.1.15 Usability Improvements for Mifos X Web App
- 3.1.16 Mifos Gazelle: Profile/Demo Creator (NEW!)
- 3.1.17 Mifos Gazelle: Support for ARM
- 3.1.18 Self Service Middleware SDK for Mifos X/Apache Fineract (Mifos Mobile, Mobile Wallet, Online Banking App)
- 3.1.19 Reactive Loan Risk Assessment Engine for Mifos
- 3.1.20 Mobile Check Deposit Proof of Concept Using Moov Image Cash Letter
- 3.1.21 POC for Integration with Loan Decisioning (Lokyata, Begini, nTropy)
- 3.1.22 Digital Bank UI using Compose Multi-Platform Micro Front-End for Web and Mobile Apps
- 3.1.23 OpenG2P - Digital Identity Proof of Concept with MOSIP (GovTech)
- 3.1.24 Machine Learning Scorecard for Credit Risk Assessment Phase 7 (AI)
- 3.1.25 Mifos Mobile 7.0 - Mobile Banking App
- 3.1.26 Payment Hub EE - Replicable Mobile Money Connectors for Mifos Payment Hub EE
- 3.1.27 Online Banking App 5.0 - Customer Loan Management Portal
- 3.1.28 Ad Hoc Reporting Module/Business Analytics (OLAP)
- 3.1.29 Basic CRM Functionality - Inquiries/Complaints Module
- 3.2 Medium Projects
- 3.2.1 AI-Driven Architectural Test for Mifos Payment Hub EE (AI)
- 3.2.2 Bank Statement Analysis Phase 2 (AI)
- 3.2.3 Credit Bureau Integration Phase 5
- 3.2.4 Optimize Payment Hub EE Operations UI with new Micro Front-Ends
- 3.2.5 Security Penetration testing for Payment Hub EE
- 3.2.6 OpenG2P - Digital Identity Proof of Concept on Sovrin & Hyperledger Indy
- 3.2.7 Mifos/Fineract Chatbot & Adapter 4.0 (AI)
- 3.2.8 Community support through AI
- 3.2.9 Custom Fantastic Mifos Project
- 3.3 Small Projects
- 3.4 Timeline
- 3.1 Large Projects
- 4 2025 GSOC Mentors
- 4.1 In Progress
- 5 See also
2025 Google Summer of Code - Get to Know Mifos
We're looking forward to participating in Google Summer of Code for our thirteenth year. In 2024 we worked with a total of 18 interns through Google Summer of Code and our Code for GovTech across the back-end platform, our web and mobile apps, and our AI tools. We hope to continue building our next generation of contributors who are joining in our movement to fight poverty through open source software. We want you to be part of our mission of creating a world of 3 Billion Maries.
Core DPG Technology Stack
GSOC Contributors in 2025 will have the option to work on a variety of projects related to our end to end open source stack for digital financial services including open source core banking, generative AI for financial services, real-time payment and instant payment integration, digitizing government to person (G2P) payments, mobile money and Open Banking APIs, deployment tools for the cloud, and our suite of cutting edge and web and mobile apps. Participating interns will get to work on our Mifos X core banking platform including the staff-facing web app built on Angular, a POC of a brand new React UI, our suite of mobile apps including field officer apps mobile banking mobile wallet apps built on Kotlin-Multiplatform, and integrations with GSMA mobile money API and Open Banking API. We will once again have projects related to our award-winning Payment Hub EE which provides an orchestration engine to connect to real-time payment systems like Mojaloop, ACH, and emerging payment protocols like Interledger. Given the core stack is mature in its functionality, we continue to focus GSOC projects on maintainability and deployability, security, improving developer experience, user experience optimization in addition to bleeding edge exploratory efforts around AI and the cloud.
Digital Public Infrastructure
With the international development’s sector deepened focused on digital public infrastructure, we are also seeking interns to contribute to our efforts with open source digital public goods for G2P payments like our Payments Building Block powered by Payment Hub EE and OpenG2P, the initiative we've helped to launch to digitize large scale government cash transfer programs and parallel projects for in-kind transfer and management of social registries like OpenSPP. This year, we’ll also have a heightened focus on AI as part of AI for All and Data Science for Good initiatives. We will also have project related to our newest product, Mifos Gazelle, our DaaS (DPI as a Solution) offering, providing a deployment tool to enable the rapid deployment and configuration of multiple DPGs for demonstration environments.
AI for All
AI and Machine Learning will have a profound impact on financial services. It’s a key focus area of our community and we have a variety of projects that build upon our existing AI tools as well as exploratory ones to discover and innovate around the power Generative AI and LLMs and LAMs can have on digital financial services for the Base of the Pyramid. This year we’ll try to explore agentic AI and how AI agents can guide financial service transactions on behalf of staff or customers. We will continue to refine and enhance our existing AI projects including a generative AI tool for interacting with our project documentation, a bank statement analysis module using AI, , credit scoring module using machine-learning, and a chatbot framework for improved customer support. New exploratory efforts will build upon existing leadership and expertise of our mentors and need across the sector include AI for agricultural credit scoring, generative AI for streamlining how to configure and extend Mifos X, using NLP to add additional language support to our chatbot, LAMs to enable initiation of transaction flows via our banking apps, POCs to explore the usage of tools CoPilot to improve our developer experience and ease of extending Mifos, Generative AI to improve existing and/or create new end user documentation, and AI for fraud detection and transaction monitoring.
Security
Security is an imperative when working with the delivery of financial services via core banking or payments orchestration. We have worked extensively with previous interns on security-related projects to penetrateion test and harden our mission-critical platforms. The security and quality control experts in our community look forward to mentoring security-focused interns for all our projects as well as the emerging need for fraud detection especially as more institutions connect to real-time payments.
Modularization on the Back and Front-End
We have some major refactoring and modularization of Mifos X that contributors could continue to help with. As we modularize the back-end we are also moving towards modular resuable UI components across our web and mobile apps exploring the usage of new frameworks like Compose Multi-platform and ShadCN. Through re-usable UI components, cross-platform development, frameworks, and improving our mobile SDKs, we are seeking to significantly streamline the development and design of our mobile apps.
Integrations & POCs
Since the boundaries of fintech and financial services extend so far beyond the core we also have a number of interesting POC integration projects lined up by our mentors this year including POCs with alternative reporting engines, mobile check deposit POCs, workflow engine integration, integration with KYC automation frameworks, POCs for selfie verification, and more. We also will continue to deepen our integration with peer projects in the DPG and Financial Inclusion space such OpenSPP for Beneficiary Management, OpenFN for workflow automation, Mojaloop for Instant Inclusive Payments, MOSIP for Digital Identity and Tazama for Fraud and Risk Management.
Payments
While both the back and front-end development of our core banking DPGs will be a major focus, we will have more projects this year on top of our Payment Hub EE which provides an orchestration engine to enable the ease and participation of fintechs and financial institutions into modern payment systems. This year we will continue to improve upon the user experience of our operations app and control center, make it easier to build mobile money connectors, connect into beneficiary management systems like OpenSPP and OpenG2P for social protection, add additional connectors for messaging formats like ISO 20022, deepen our integration with instant inclusive payment systems like Mojaloop, test out integrations with new solutions like Interledger Protocol and Rafiki, and leverage open payment and banking standards.
Small Projects
With the new category of smaller projects introduced in 2024, we do have a number of projects that are more research and POC-based including:
Alignment with emerging Open Wallet Standards
Integration with Open Banking and Open Payment Standards
Design and Adoption of new frameworks like Compose Multi-platform
Mifos is a globally recognized digital public good and an award-winning project that sits at the cutting edge of inclusive fintech and embedded finance. Mifos is the leader of the open source banking movement helping to commoditize core banking infrastructure enabling financial services to be embedded anywhere and everywhere.
The best way to understand what we do is to watch a few videos.
Recent Talks at Conferences
Mifos Q4 2024 Community Call
Product Overviews
Why does Google Summer of Code matter so much to Mifos and what do we look for in contributors?
How the Mifos Software is Used
Guidelines
Getting started Read about setting up the code and understand the basic concepts around MifosX.
Expectations
Contributors working on Mifos X, Payment Hub EE and Mifos Gazelle will be expected to:
Get access to reasonable bandwidth, ie: have a fast, reliable Internet connection
Introduce yourself to, and discuss on, the mifos-developer mailing list , the #gsoc and #gsoc-aspirants channels in the Mifos Slack workspace, and the Apache Fineract developer list
Work on issues by providing patches and pull requests.
Follow the Mifos coding standards
Make sure you document your work
Attend daily standup on Slack as well as the weekly student check-in calls
Freely open to communicating with community members on the public channels
Prerequisite Skills
Basics
Be a quick learner
Be well-behaved, act in good faith and be of good humour.
Troubleshooting Wizard
Passion for writing beautiful code
Excellent communication skills
Knowledge of developer tools
such as a text editor, source control, how to build software
experience with specific tools will also help, such as Eclipse IDE, Git, IntelliJ
Mifos includes a wide variety of technologies, we do not expect a student to be an expert on all of these. But it will be helpful if you have some experience in some of these. Helpful skills (specific technology requirements vary with project chosen) and must be eager to learn and develop with the requirements:
Java, Spring, MySQL, Jersey & Hibernate
HTML, CSS, JavaScript (JQuery), Angular & Material Design
JUnit, REST-assured
Android, Kotlin
Helm, Circle CI Pipelines, Cucumber Testing Frameworks, Scripting Tools (for Dev-Ops focussed projects)
Source Code of DPGs & Projects
Mifos X
Back-End: Source Code | Mailing List | Slack | Demo (mifos | password)
Web App: Source Code | Issue Tracker | Mailing List | Slack | User Manual
Android Client: Source Code | Issue Tracker | Slack
Docs - Static HTML | Swagger OpenAPI | Architecture
Mifos Gazelle
Overview | Source Code | Slack
Mobile Apps: Overview
MifosPay - Mobile Wallet Framework: Source Code | Issue Tracker | Slack
Mifos Mobile - Mobile Banking App: Source Code | Issue Tracker | Slack
OpenBanking App: Source Code
Online Banking App - Web: Source Code
Overview: https://openmf.github.io/mobileapps.github.io/
Payment Hub EE
Overview | Source Code | Slack
Hints
When you need help, ask for help after exploring all options on the web. We are very excited for you to join us, but we need to know that you're willing to put in the time and effort required to do your part. When you do ask, ask well.
Tips for a Good Application from former GSOC intern and Mentor, Ishan Khanna: https://hackernoon.com/7-things-you-need-to-know-to-ace-your-gsoc-proposal-8e422f2b6abe
Not sure if you are qualified? Download and build the code, then run the Platform and the Mifos X distribution.
Instructions for running the platform are in Getting Started Guide in the Apache Fineract Contributor's Zone
Getting started with the web app can be found in the Getting Started Guide
Email the mifos-developer mailing list with your questions and project ideas.
Install Skype for (generally infrequent) video calls. You'll need a headset for Skype, too.
Get started by solving few issues on Fineract here or for the web app here.
Project Ideas
Updated
Our 2025 Ideas list is now compiled with a wide range of projects for different aspects of the diverse Mifos Stack.
2025 projects will be related to the Mifos X core banking suite including staff interfaces for the web (Web App) and mobile (Android client), our customer-facing apps including our Mobile Banking app, Mifos-Mobile, our Mobile Wallet App, MifosPay or our Online Banking App. There will also be projects focused on our Payment Hub EE payment orchestration engine and our efforts in Digital Public Infrastructure space around G2P Payments for Social Protection. We will also have projects focused on our newest product, Mifos Gazelle, our DaaS (DPI as a Solution) offering providing a deployment tool for rapid installation and evaluation of digital public goods in demonstration environments. Any projects related to the back-end core banking platform will be built as modules or plugins that sit alongside or on top of the Apache Fineract platform, which Mifos developed and donated to the Apache Software Foundation.
Large Projects
For 2025, GSOC projects can be of three durations - large (350 hours) and medium (175 hours) and small (90 hours). These projects are of the 350 hour duration.
Migrate Android Client to Kotlin Multiplatform
Mentors | @Rajan Maurya @Chinmay Kulkarni @Shashank Priyadarshi |
Length | Large - 350 hours |
Category | Mobile - Android SDK | Kotlin Multiplatform |
Overview & Objectives | The goal of this project is to migrate Android field officer kotlin multi-module application to Kotlin Multiplatform and rewrite network layer by adopting fineract-client-kmp-sdk, make all the network calls are working as expected. The Android client will be the first of the Mifos mobile apps which consume the SDK, reducing repeated network layer code in mobile apps, improving developer experience, and making it easier to migrate to newer versions of Apache Fineract 1.x and Student would work on designing offline sync functionality in background. This year we are totally focusing on migrating to Kotlin Multiplatform, writing Unit and Instrumentation test and writing github actions to automate release process using fastlane. |
Description | In 2025, The student will be working on implementing the following things:
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Helpful Skills | Android, Kotlin Multiplatform, Kotlin, Jetpack compose, navigation-compose, MVVM, coroutines, Flow, multi-module architecture. |
Impact |
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Other Resources | QA & Testing - https://cwiki.apache.org/confluence/pages/viewpage.action?pageId=195730042 2024 GSOC Final Report (Aditya Gupta): https://gist.github.com/Aditya-gupta99/f0bad77037ae76f32dddb933b6cb1c2a |
Development Repository | |
Github | https://github.com/openMF/android-client https://github.com/apache/fineract |
Project Discussion | Slack: https://mifos.slack.com |
Making Mobile Wallet Deployment-Ready for G2P and Merchant Use Cases
Mentors | @Rajan Maurya @Avinash Vijayvargiya |
Length | Large - 350 hours |
Category | Mobile - Mifos X | Core Development |
Overview & Objectives | 2025 development will focus on refining our current Mobile Wallet to be a strong reference implementation of feature-rich and secure mobile wallet application for G2P use cases. While our mobile wallet is a powerful tool for all fintechs and financial institutions, we want to powerfully and simply demonstrate the ability for governments to disburse G2P Payments to highly functional mobile wallet and then be able to transact with that wallet by paying for bills, sending transfers, and paying for goods and services via merchants. We provide a reference mobile wallet application for consumers and merchants that has been developed by our Google Summer of Code interns from 2017 to 2024. The mobile wallet provides an extensible mobile wallet framework to support the basic use cases of a mobile wallet as documented in the Level One Project mobile wallet requirements. This extensible framework should support both merchant and client use cases as well as be capable of integrating with a Fineract back-end Over time, we would like Mifos X to be more generically a wallet management system and this reference application is a powerful tool to support that. In 2025, we will also focus on enabling real-world merchant flows based on requirements from in-country users using the wallets for consumer to merachnt transactions. |
Description | The initial mobile wallet framework along with 2 reference apps, PixieCollect and MifosPay, were developed in 2017. Later we decided to continue with MifosPay application only which as mentioned uses the mobile wallet framework. In 2019, these functionalities were extended further by Shivansh including improving user experience and redesigning the app, support for Kotlin, integration with two Mojaloop transaction flows via the Paymeht Hub, adding improving Deeplinks, support for standing instructions and more well-rounded support for merchant transactions. In 2020, Devansh Aggarwal further added complete support for standing instructions, integrated with Fineract CN for core use cases by mapping Fineract back-office APIs to Fineract CN APIs, added multi-theme support, completed integration with Payment Hub EE, added support for Hover, and converted Java code to Kotlin (in progress). For more details refer this In 2021, Kinar Sharma, worked on developing a new multiplatform mobile wallet application using Kotlin multi-platform. This new application consumes FineractCN APIs and is built upon clean architecture. Kinar completed the data, domain and presentation layer (only for Android) for usecases available in FineractCN. In 2022, Prashant Singh continued to evolve the app. In 2023, Rachit focused on refining the architecture, streamlining the design and implementing some of the G2P use cases. In 2024, Pratyush focused on migrating codebase from single module app into kotlin multi-module application by migrating xml to jetpack compose. In 2025, we are targeting to make production-ready our cases for G2P, update dependencies, consume more uniformly our SDKs fix pending issues and introduce new features. Functional enhancements include:
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Helpful Skills | Android, Kotlin, Kotlin Multiplatform, Jetpack compose, Ktor, Room, Git |
Impact | By providing an extensible mobile wallet framework, allow partners a complete reference stack of back and front-end applications to offer digital financial services to clients. |
Development Repository | |
Other Resources | 2024 Mobile Wallet Final Report (Pratyush Singh): https://gist.github.com/PratyushSingh07/6509549e64dbee0d695b98c6657a17b2 | Aditya Kumdale: https://gist.github.com/AdityaKumdale/83324009b2e676f8fbc623df4f953497 2023 Mobile Wallet Final Report: https://docs.google.com/document/d/1xHDVzmxuBj5KA0vHiJS_UGrs0Zb6IrpqwRmSdW3uExM/edit#heading=h.h4y8eq18ezr9 2020 Mobile Wallet Progress: https://gist.github.com/devansh-299/e2041c07d9ab55a747391951e9090df4 Mobile Wallet Framework: Source Code | Issue Tracker | Slack |
Project Discussion | Slack: https://mifos.slack.com |
Integrate Mifos X with Workflow Engine/Process Automation Tool
Mentors | @Aleksandar Vidakovic @Victor Romero |
Length | Large - 350 hours |
Category | Back-end Platform | Modules |
Overview & Objectives | Users of Mifos have long had a need to have greater control and flexibility over creating loan and customer onboarding workflows that incorporate internal processes/steps as well processes involving external systems. This project would center around creating an external integration with a workflow engine such as Flowable or jBPM using the Mifos X REST API as the glue. The auto-generated client library from the back-end enforces the contract between the workflow engine and core banking system. The core banking and its REST API act as the glue. The result would be a UI-driven workflow engine to allow non-technical users to define these new custom workflows where they could drag and drop the different steps of the process. |
Description | Assumptions:
Steps:
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Helpful Skills | Java, BPMN |
Impact | UI-Driven interface based on BPMN standard to allow for non-technical users to define customer onboarding and application workflows via a drag and drop interface. |
Development Repository |
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Other Resources | |
Project Discussion | Slack: https://mifos.slack.com |
Build new Modern Web UI for Mifos X using ShadCN Reusable Components
Mentors | @Aleksandar Vidakovic |
Length | Large - 350 hours |
Category | Front-End - Web |
Overview & Objectives | This project would extend up on existing efforts to create a micro front-end approach for our UIs. As the userbase for Mifos/Fineract extends beyond just microfinance and financial inclusion we need to enable developers to easily build front-end user experiences that align with the wide variety of back-end use cases supported by our platform being used by MFIs, credit unions, banks, fintechs and governments. Additionally, many of the flow and screens used by staff as well as customers are common across mobile and web application. Right now the look and feel and the overal UI development experience is very limited by using Angular and Material Design. |
Description | This project would aim to build both the micro front-end framework and leverage a set of res-usable UI components that can be deployed as individual flows or end to end applications. Growing in popularity for its flexibility, ease of development, efficient performance, modular design is the ShadCN UI Library which contains unstyle components offering a higher degree of customizability. The current standard UI for Mifos X is still the Web App which is the only one that covers 100% of the feature set. While based on Angular and more modern than our previous Community App, the project hard to maintain and - apart from the occasional color change - hard to customize let alone integrate in other web applications. Developers should be able to pick any number of standalone components and integrate them in custom UI projects (where Fineract is one among multiple backends). All Mifos X UI components should be published for easy consumption by other developers. Intern would aim to replicate the current Web UI which is in Angular using the Material Design library using ShadCN components built on ReactJS. This project would use the official typescript API client for Fineract. Tooling should help with consistency and reduce handwritten code as much as possible. Using Monorepos is strongly suggested. |
Helpful Skills | JavaScript, JSX , React, Tailwind CSS |
Impact | Developers can more rapidly build out user interfaces for different financial service use cases with a greater degree of design flexibility in terms of customizability of the look and feel |
Development Repository | |
Other Resources | |
Project Discussion | Slack: https://mifos.slack.com |
Extend and Evolve UI Library of common components across all Mobile Apps
Mentors | @Chinmay Kulkarni @Devansh Aggarwal @raul.sibaja@Rajan Maurya |
Length | Large - 350 hours |
Category | Mobile - Mifos X | Core Development | Infrastructure |
Overview & Objectives | For 2025, our efforts this project will focus on delivering components that can be utilized as part of Compose Multiplatform and in conjunction with resuable components like ShadCN. In 2022, Rahul Gill, created and completed the first iteration of our UI library for our mobile apps. Our suite of customer-facing mobile applications include our mobile wallet framework, and mobile banking apps for Fineract 1.x and Fineract CN. These are designed to serve as reference implementations for demonstration purposes but also to act as secure and robust starting dough that can be extended and enhanced and white-labeled. With the move towards more digital financial services, these reference solutions are ever more important and critical and must appear highly polished, clean, and professional. We are working with a designer to provide a set of clean, consistent and professional UI designs and workflows to implement across our customer-facing apps. This project would focus on implementing these new designs across the customer-facing apps providing a consistent and familiar look and feel. It will build off of efforts in 2020 and 2021 implementing the UI designs previously proposed during GCI. Across all our mobile apps, there are common screens and workflows with a lot of redundant and inconsistent design and development from scratch. The creation of a UI library of common shared components and design standards and guidelines would enable the following:
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