Design a Notification Service
A notification service takes a request from some other system ("tell this user their trade confirmation is ready") and turns it into a message the person receives. At a bank it's usually a shared internal platform. Many applications call it, and none of them want to run their own email and SMS plumbing. So the problem has two halves. The delivery half is the familiar one: queue the work, send through a provider, retry on failure. The platform half is what makes it interesting. Ten or fifteen apps share one pipe, so one misbehaving app can hurt all the others, and every app wants to know what happened to its messages.
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