Best practices for integrating Automation Anywhere bots with third-party Fintech APIs (banking/payment gateways)?

Hi Community,

We're working on a project that requires integrating our bots with several Fintech APIs - including a payment gateway, a core banking REST API, and a KYC verification service. I wanted to check with the community on the recommended approach before we build this out.

A few specific questions:

1. Authentication – Most of these Fintech APIs use OAuth 2.0 with short-lived access tokens (some also require MFA/2FA on top). Is there a built-in package for handling token refresh automatically, or do we need to build custom logic using the HTTP/REST Web Service package?
2. Credential security – What's the best way to store and rotate API keys/secrets used for these integrations? Is Credential Vault sufficient for this, or do teams typically pair it with an external secrets manager (like AWS Secrets Manager or Azure Key Vault) for compliance reasons?
3. Error handling & retries – Fintech APIs often have strict rate limits and can return transient errors (timeouts, 429s, etc.). What's the recommended pattern in Automation 360 for implementing retry logic with exponential backoff on API calls?
4. Compliance/data handling – Since this involves sensitive financial data (PII, transaction details), are there any AA-specific guidelines or packages for masking/logging data safely during bot execution to stay compliant with PCI-DSS/data privacy requirements?
5. Real-time vs batch – For use cases like real-time payment status checks vs. batch reconciliation, is there a preferred architecture (e.g., using Bot Triggers/Webhooks vs scheduled bots)?

Any documentation, real-world examples, or lessons learned from teams who've done similar Fintech API integrations would be really helpful.

Thanks in advance!