GSoC 2026
The Mifos Initiative

The Mifos Initiative — Project Ideas

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2026 Google Summer of Code Ideas List

We have compiled a great 2026 Google Summer of Code Ideas List. This list is fresh ideas from our pool of Talented Mentors. If you have any questions please feel free to contact @David Higgins @Ed Cable or @Dmitry Pankov . Whilst we might tidy up or add more information you can consider this list stable now.

2026 Google Summer of Code - Get to Know Mifos

We're looking forward to participating in Google Summer of Code for our fourteenth year. In 2025 we worked with a total of 23 interns through Google Summer of Code, Mifos 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 2026 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 is a focus area for GSOC in 2026 and Mifos has long been known for its projects evaluating how AI can both enhance our products as well as assist our community. We will again be looking having a number of AI and Machine Learning projects which will have a profound impact on financial services.

Mifos has an active AI community primarily organised through its AI for All Working Group. 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.

We strongly encourage potential participants in AI project internships to join our working group in advance and participate, due to the fast moving field of AI this will show not only interest but also the ability to assimilate and adapt to the fast moving tech, which is often something we have to do during the project period.

Security

Security is an imperative when working with the delivery of financial services via core banking or payments orchestration. This is a focus of GSOC in 2026.

We have worked extensively with previous interns on security-related projects to penetration 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 expect to 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

Awards

Mifos X and Payment Hub EE are globally recognized digital public goods and listed as DPGs for DPI, they are also award-winning projects that sits at the cutting edge of inclusive fintech and embedded finance.

Videos

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.

Mifos Finals Week 2025

Recent Talks at Conferences

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

Read about setting up the code and understand the basic concepts around MifosX.Getting started

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

, the #gsoc and #gsoc-aspirants channels in the__mailing list__, and the__Mifos Slack workspace__if you think your project may be on the boundary with the Apache Fineract (R) Backend.__Apache Fineract (R) developer list__Have proven you can install the existing relevant Mifos Product in an environment (environments are available for trial use for free by alot of cloud providers)

Work on issues such as our

starter issuesby providing patches and pull requests.Follow the Mifos

and__coding standards__code of conductMake sure you

__document your work__Attend daily standup on Slack as well as the weekly student check-in calls for Mifos Interns

Freely open to communicating with community members on the public channels

Mifos has a policy of declaring where you have used AI in your contributions just like any other attribution you would make.

Mifos does not accept proposals/applications generated by AI we want to get to know you rather than an AI at this point.

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, Docker, 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(mifos | password)__Demo__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

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-8e422f2b6abeNot sure if you are qualified? Download and build the code, then run the Platform and the Mifos X distribution.

Instructions for running the backend components are in

in the__Getting Started Guide____Apache Fineract (R) Contributor's Zone__Getting started with the web app can be found in the

Getting Started Guide

Join our Slack channeland communicate with others. Reach out to mentors to understand more. Work on ourstarter issues.

Project Ideas

Update

Our 2026 Ideas list is now compiled with a wide range of projects for different aspects of the diverse Mifos Stack. The primary way to ask questions is to reach out and discuss in Mifos Slack either in our #GSOC channel or in the channels indicated on proposals.

2026 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 (R) platform, which Mifos developed and donated to the Apache Software Foundation.

Project Sizes

For 2026, GSOC projects can be of three durations - large (350 hours) and medium (175 hours) and small (90 hours).

Large Projects (350 hours)

Voice Agent Integration to our Mobile Apps

Categories/TagsLarge, Mobile, AI, Integration, Exploratory
Overview and ObjectivesAI is evolving at a rapid pace, with significant progress in language models as well as in speech and speech–language models. Alongside this, language models combined with tools have increasingly taken the form of agents that can perform real-world tasks. We worked on a few projects in a similar domain last year, and this year our focus is on exploring state-of-the-art tools that can be integrated directly into our mobile applications. Our goal is to build a voice agent that can be embedded into our mobile apps to improve accessibility and inclusivity—especially for users who face barriers due to technology constraints or differences in native languages. This voice agent will allow users to interact with the app entirely through voice, perform certain actions on their behalf, and understand different features and use cases of the app without relying on traditional UI interactions. The solution is intended to use a lightweight, small-footprint model with minimal memory requirements, making it suitable for mobile environments while still delivering effective voice-based interaction.
DescriptionAt a high level, the core of this project will involve research and exploration into how AI-powered voice agents can be effectively integrated into mobile applications. A major focus will be identifying which features and capabilities make the most sense to expose through voice interaction, and what kinds of user operations can be reliably and safely performed using a voice-first interface. This includes understanding user experience considerations, accessibility requirements, multilingual support, and limitations specific to mobile platforms. Another key aspect of the project will be evaluating the existing ecosystem of tools, frameworks, and models that can be used to build such voice agents. This includes researching speech-to-speech systems, lightweight language or speech–language models suitable for mobile environments, and agent frameworks that support tool usage. The intern will be expected to assess trade-offs between different deployment strategies, such as using hosted/cloud-based models versus running models locally on-device, taking into account factors like latency, privacy, cost, reliability, and memory footprint.
SkillsKotlin / Mobile app development Python AI agents and tool-based workflows Speech-to-Text (STT) systems Text-to-Speech (TTS) systems Voice-first UX / accessibility On-device vs hosted model deployment Audio streaming and processing
Resourceshttps://docs.ultravox.ai/overview
Mifos Repositories
ImpactOur mobile app is widely used in regions where English is not the primary language, and it also supports multiple Digital Public Goods (DPGs) and public infrastructure initiatives aligned with UNICEF’s goals, making inclusivity a core priority. By enabling seamless voice-based interaction, this project will allow users who may not speak English or who face technological barriers to use the app effectively through simple voice commands. In addition, the voice agent will help users better understand the app by providing guided, voice-only onboarding and explanations of its features. Overall, the project aims to significantly lower access barriers, improve user experience for diverse communities, and create meaningful social impact by making the app more accessible and inclusive.
Provisional MentorsAru Sharma, Keshav Arora
Channels to DiscussSlack: Channel: #mifos-mobile #wg-ai-for-all

Update Mifos Gazelle to use the latest Mifos X release and all modules

Categories/TagsLarge, Gazelle, Integration, DevOps, Backend
Overview and ObjectivesCurrently Mifos Gazelle only deploys a couple of components of MifosX and backend dependencies we want to have it configurable to deploy all modules e.g. reporting, credit bureau etc at the latest versions
DescriptionIn this project you will update the version of Mifos X included in the Mifos Gazelle release you will include all Mifos X module not just the web-app currently deployed this will require you to be able to check dependencies and also consider infrastructure rationalisation and system constraints across multiple environments.
Skillscloud native technologies kubernetes, helm, java, bash scripting python
Resources
Mifos Repositorieshttps://github.com/openMF/mifos-gazelle
ImpactThis project will provide users access to a much more complete set of MifosX functionality via the simple Mifos Gazelle deployment model
Provisional MentorsTom Daly, TBC
Channels to DiscussSlack: Channel: #mifos-gazelle-dev

Update Payment Hub EE dependencies

Categories/TagsLarge, Payment Hub EE, DPG, DPI, Integration, Mifos Gazelle, Backend, DevOps
Overview and ObjectivesUpdate Payment Hub EE Java components to most recent applicable JDK release and update corresponding dependencies such as SpringBoot, camel etc
DescriptionThis project will update the out of date dependencies within Payment Hub EE in particular focussed on but not limited to Java. These updates are essential to the long term sustainability of the DPG. These updates will also be used in Mifos Gazelle which incorporates Payment Hub EE for DPI demos. Whilst this project may sound simple it is not with many repos and interdependencies this project is for someone who is willing to dive deep, use investigative skills and happy that testing is a major part of upgrading of dependencies.
SkillsJava, SpringBoot , Apache Camel, Gradle build tools
ResourcesPaymenthub repos in
Mifos RepositoriesPaymenthub repos in
ImpactThis a very important and strategic project which will enable the future development of PaymentHub EE. A longer term approach by building repeatable tests could set the scene for maintainability of PH-EE when dependancies need upgrading in the future.
Provisional MentorsTom Daly, David Higgins, TBC
Channels to DiscussSlack: Channel: #payment-hub #mifos-gazelle-dev

Mifos X Web App React version 2.0

Categories/TagsLarge (350 days), Web App, UI, Front End
Overview and ObjectivesThis project focuses on extending the existing React based Mifos X web app to make it production ready and a strong candidate to become the primary Mifos X web interface. It continues the previous development cycle by strengthening Apache (R) Fineract integration and Including the rest of the modules, bringing the React web app features and stability comparable to the current main web (angular) application.
DescriptionThe project involves further development and stabilizing the existing React based Mifos X web application, which is currently under active development and not yet production ready. The intern will implement the remaining functional modules and complete core workflows such as clients, groups, loans, savings, reports to reach feature similarity with the Angular based Mifos X web app. The work includes strengthening Apache (R) Fineract API integration using the OpenAPI generated client, adding remaining modules, improving error handling,, and refining the UI using ShadCN and Tailwind.
SkillsReact, Typescript, Tailwind CSS, Apache Fineract, ShadCN
ResourcesReact web app: React web app report: https://gist.github.com/Craig-Rosario/985588b2576f45686340557d5299c89a Issues with the current react web app (due to OpenAPI inconsistencies): https://github.com/openMF/mifos-x-web-app-react/blob/dev/ISSUES.md
Mifos Repositories
ImpactThis project will help deliver a modern, production ready web interface for Mifos X, improving usability, and maintainability. By strengthening the React-based web app and connecting it with core Apache (R) Fineract using the OpenAPI client, it can serve as a strong alternative and next step for the future Mifos web interface.
Provisional MentorsCraig Rosario, Gopi Kishan
Channels to DiscussSlack: Channel: #web-app

Production-Grade E2E & Unit Testing Infrastructure for Mifos X Web App

Categories/TagsLarge (350 days), Web App, UI, Front End, Testing
Overview and ObjectivesThe Mifos X Web App currently operates with ~1.46% test coverage, leading to fragile releases and heavy reliance on manual QA. This project aims to modernize the repository quality assurance by building a production-grade hybrid testing infrastructure using the latest industry-standard tools: Playwright 1.57+ for E2E and Jest 29+ for Unit testing, fully compatible with Angular 20. Eliminate Manual Regression Testing: Automate 40-50 critical business workflows across Client, Group, and User modules. Modernize Architecture: Implement a strict Page Object Model (POM) pattern to ensure test maintainability and reduce code duplication. Enhance Developer Experience: Create a "Testing SDK" with reusable fixtures, mock factories, and templates, enabling any contributor to write high-quality tests easily. Secure the Supply Chain: Integrate robust CI/CD quality gates in GitHub Actions to block breaking changes before merge.
DescriptionThis project aims to engineer a production-grade testing ecosystem for the Mifos X Web App, shifting the repository from manual verification to a self-verifying Continuous Delivery model. By leveraging Playwright 1.57+ for End-to-End (E2E) reliability and Jest 29+ for logic isolation, the project will secure critical financial workflows currently prone to regression. Core Infrastructure & Architecture
Page Object Model (POM): Implementation of a strict POM architecture (extending the Proof-of-Concept BasePage ) to decouple test logic from UI selectors. This ensures that UI changes (e.g., renaming a button) only require updates in one file (PageClassName.ts ) rather than dozens of tests.Testing SDK: Development of reusable "Test Fixtures" and "Mock Factories" to democratise testing. This includes utilities for generating random client data, mocking API responses, and handling authentication state programmatically to bypass repetitive login screens during test runs.
Deep E2E Coverage (Client Module) The primary focus is the Client Module (171 files), which serves as the entry point for all financial operations. The project will automate the following complex business flows:
Lifecycle Management:End-to-end automation of the Create Client →Approve →Activate →Close state machine, ensuring valid transitions and error handling for invalid states (Reject ,Withdraw ).Financial Transactions: Validation of [payClientCharge], [waiveClientCharge], and [undoTransaction] logic to guarantee that account balances reflect accurately in the UI after operations. Identity & KYC: Automation of "Know Your Customer" workflows, including Family Member management,Client Identifier (document) uploads, and [Collateral] tracking to prevent compliance regressions.
Secondary Module Coverage
Groups Management: Automating group lifecycles (Creation, Meeting Notes, closure) to ensure community lending features remain stable. User Administration: Verifying the [User] module's role-based access control (RBAC), ensuring that only authorized staff can approve loans or activate clients.
Unit Testing & Logic Isolation
**Component Harnessing:**Using Jest to test complex Angular 20 components (ActivateClientComponent ,CreateClientComponent ) in isolation, verifying form validators (e.g., Activation Date logic) and pipe transformations without requiring a full browser environment.Service Resilience: High-coverage unit tests for [ClientsService]) and GroupsService , mocking efficientHttpClient responses to verify error handling (e.g., 404s, Network Failures) that are difficult to reproduce in E2E.
CI/CD Pipeline Integration
Integration of a "Test Sharding" strategies in GitHub Actions to run tests in parallel, reducing pipeline duration. Configuration of Quality Gatesthat automatically block Pull Requests if they reduce overall coverage or introduce flaky tests, utilizing Playwright's "Trace Viewer" artifacts for rapid debugging of CI failures.
SkillsTypescript, Angular 17+ (Signals & Standalone Components), Playwright, Jest, RxJS, GitHub Actions (CI/CD), Docker, Unit Testing Principles, E2E Testing Patterns, Page Object Model (POM) Design Pattern
Resources
Merged Playwright Infrastructure (Proof of Concept):https://github.com/openMF/web-app/pull/2912Initial E2E Foundation:https://github.com/openMF/web-app/pull/2886Merged jest unit testing pr's:https://github.com/openMF/web-app/pull/2742https://github.com/openMF/web-app/pull/2802https://github.com/openMF/web-app/pull/2816https://github.com/openMF/web-app/pull/3041
Playwright Docs:https://playwright.dev/docs/introAngular Testing Guide:https://angular.dev/guide/testingMifos X API Documentation:https://demo.mifos.io/api-docs/apiLive.htm
Research on Page Object Model (POM):"Maintainable Automated Testing" (Leotta et al., IEEE,link-https://sepl.dibris.unige.it/publications/2013-leotta-ICSTW.pdf))- Demonstrated 3x faster maintenance and 8x code stability improvement.**Project Context:**The codebase a months ago underwent a major migration to Angular 18/19, highlighting significant regression risks which this project directly addresses.
Mifos Repositories

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