QConSF2011-JohnDavies-ArchitectingVisaforMassiveScaleandContinuousInnovation

8/2/2019 QConSF2011-JohnDavies-ArchitectingVisaforMassiveScaleandContinuousInnovation

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John Davies

CTO

Inside Visa

QCon - San Francisco16th November 2011

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No Slides (in 2010)

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Agenda

What does Visa do? Some impressive numbers

Changes to the Payments industry

How Development in Visa has changed Where we are now Agile Methodologies The Technology Stack

What were developing Developers Centre Developers APIs

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Lets get on with it...

You are developers, I hope to do two things for you... Provide you with some information about how Visa, as a largeorganisation, has made significant changes in the way they develop newproducts

Provide you with some information about some new APIs

I hope you will help Visa with the following... Provide early feedback on the new APIs See Visa in a different light, yesterday just another large corporation,

today an exciting place to work

Lets see how we get on...

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Visa Inc.

Visa is a Payments Processor

A Global Payments Technology Company

HQ is in Foster City (just south of the Airport)

Visa Inc and Visa Europe are separate, independentlyoperating companies Visa Inc shifted from association to public company in 2008

Not a credit card company Not an issuer

Not a bank or lender

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Issuers, Merchants, Acquirers & Customers

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Visas Role in the Payments Network

Individuals andbusinesses thatconduct

transactions topay for goodsand services

Retailers, billersand others whoaccept cards as

a method ofpayment fortheir goods orservices

Signs upretailers

Managesauthorisation,capture andsettlement

Generatesrecurringreports/statements

Providescustomerservice forretailers

Providesprocessingand operational

systems Develops

products

Provides riskmanagement

Builds and

managesglobal brand

Develops newmarketplaceopportunitiesand promotesacceptance

Issue cards

Assumecardholders

credit risk

Set and collectcard fees andinterest rates

Providecustomer

service forconsumers

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IssuerConsumer MerchantAcquirerProcessor

Merchant shows wares to Consumer1

Card swiped and details sent to acquiring processor3

And on to Visa...

4Anti-fraud, black-list checks, AML

etc.5

Consumer hands card to Merchant2

Instruction sent to issuer bank

Authorisation - Approve / Deny

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7Ack sent to Merchant

Money sent to Acquirer8

9Acquirer bank settles with Merchant

Consumer pays billn

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Graphically

Numbers of cards (bars & left-hand scale in millions) Volume of business (points & right-hand scale in US$ billions)

Source: Visa Quarterly Briefing - Aug 2011

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Text

US Sales Drafts by Month

Data based on Payments Volumeas of November 2011, Visa Inc.

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Text

Non-US Sales Drafts by Month


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Text

US Sales Drafts by State 2010

Size Legend


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Development

Lets look at how development has changed in Visa

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My Own Free Will

Visa is a QCon event sponsor but Im

speaking for myself - my own free will :-)

Its unusual to be able to speak about alarge corporation

Even more unusual as an external

When I started working with Visa in 2006is was just like all the other places Idworked - mostly banks

JP Morgan, BNP Paribas etc.

Financial organisations are heavy onsecurity, projects take years and its allwaterfall - Frozen Niagara!!!

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Visa is Agile

In the last 18 months Visa haschanged The security is still there but

theyve become very agile

We have 2 week sprints andpublic releases separated by

just months

And we use Macs!!!

We kicked off a range of projects earlier this year

The CEO (Joseph Saunders) announced a release thissummer

Publicly announced today

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How We Got Here (Tips)

Get Strong Sponsorship

Initiated by the product strategy team at the start of the effort

Supported by executive team

Establish new mental models From Learn by planning To Learn by doing

Give each group the destination they are ready for The destination can be different for each, and evolve over time Risk, Legal, etc will each have their own reasonable next step Apply and evolve the frameworks to help everyone keep/catch up

Support the transformation Agile Coaches Training Books

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0%#

100%#

Discovery*Curve*

PLAN# BUILD#

(QA)#

AVAILABLE# IN2USE#

Example: Discovery Curve

0%#

100%#

Where%does%most%of%the%learning%happen?%

PLAN# BUILD#

(QA)#

AVAILABLE# IN2USE#

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Changes to the Payments industry

Todays booming industries... Mobile (Apple, Google, ISIS, Nokia, Blackberry etc.) Social Media (FaceBook, Twitter etc.)

Payments / Shopping (Amazon, Google, Square, PayPal etc.) Offers & Loyalty

There is strong competition and convergence towards socialand mobile-driven payments

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Some technologies used in Visa today...

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Obligatory Acronyms

MDA (Model Driven Architecture)

TDD (Test Driven Development)

BDD (Behaviour Driven Development)

Agile

MVP (Minimum Viable Product) MTP (Minimum Testable Product) MMF (Minimum Marketable Feature)

CI (Continuous Integration)

SCRUM

XP (eXtreme Programming)

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Languages

Java Ruby (on Rails) Others such as Python

Spring Spring Integration Spring Batch

Spring Data

Spring Roo Spring Beans Spring MVC

Languages

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IDEs IntelliJ Eclipse (& STS)

RubyMine

APIs and interfaces REST, JSON & SOAP

AJAX HTML 5

IDEs, APIs and Interfaces

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Testing and Code Coverage

Testing Selenium - TDD Cucumber - BDDJUnit

SoapUI

Code coverage & QA Mockito - Mocking

Sonar - Code Quality Emma - Code Coverage Crucible - Code Reviews

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Persistence, Containers & Tools

Persistence

JPA / Hibernate GemFire Oracle

Containers TC Server (Tomcat) VMWare VBlock

Tools Confluence - WikiJira - Issue tracking & Story/Task management

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Binding and Mapping

C24 Dozer - Bean mappingJAXB XML Schema

Building / Deployment Maven SVNJenkins - CI

Others Encryption (lots of this!) Open LDAP Hadoop

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Visa Innovation Timeline

Cybersource

-Acquired

Authorize.Net

DevCenter

re-launch

PlaySpan-

Acquired

Authorize.Net

MobileSDKs

(iOS&Android)

CybersourceSite

Improvements

Visa

Personal

Paym

ents:P2P

Visa

Developer

Center

New

Checkout

Serv

ice

Beta

Sand

box

OpenWallet

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Developer.Visa.Com

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Developer.Visa.Com

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V.me

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h //d l
https://developer.visa.com/


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https://developer.visa.com

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@V D
https://developer.visa.com/https://developer.visa.com/


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@VmeDev

@VmeDev

#Vme33

OK h


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OK, thats it

Thank you for staying awake

Please join us at the ThirstyBear (Thursday 6-9pm)

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I bl k


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Its a block away



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Pl i k i i f Vi


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Please pick up an invite from Visa



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Its question time...

@[email protected]
mailto:[email protected]:[email protected]:[email protected]

QConSF2011-JohnDavies-ArchitectingVisaforMassiveScaleandContinuousInnovation

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