diff --git a/app/config.py b/app/config.py
index d68ea4f..2a418f5 100644
--- a/app/config.py
+++ b/app/config.py
@@ -1,11 +1,11 @@
 import os
+from datetime import timedelta
 
 
 class Config:
     """Base configuration for Flask app"""
 
     SECRET_KEY = os.getenv("SECRET_KEY", "supersecretkey")
-    # BANK_CALL_AUTH_BASE_URL = "https://coreapi.dev.simbrellang.net/v1/api/auth"
     BANK_CALL_BASE_URL = "https://bank-emulator.dev.simbrellang.net"
     JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "your_jwt_secret")
     DEBUG = True
@@ -14,5 +14,20 @@ class Config:
     KAFKA_PAYMENT_TOPIC = "PROCESS_PAYMENT"
     KAFKA_TIMEOUT = 5.0
 
+    JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "secret-key")
+    JWT_ACCESS_TOKEN_EXPIRES = os.getenv("JWT_ACCESS_TOKEN_EXPIRES", timedelta(hours=1))
+    JWT_REFRESH_TOKEN_EXPIRES = os.getenv(
+        "JWT_REFRESH_TOKEN_EXPIRES", timedelta(days=30)
+    )
+
+    BANK_CALL_APP_ID = os.getenv("BANK_CALL_APP_ID", "app1")
+    BANK_CALL_API_KEY = os.getenv("BANK_CALL_API_KEY", "test-api-key-12345")
+    BANK_CALL_BASIC_AUTH_USERNAME = os.environ.get(
+        "BANK_CALL_BASIC_AUTH_USERNAME", "user"
+    )
+    BANK_CALL_BASIC_AUTH_PASSWORD = os.environ.get(
+        "BANK_CALL_BASIC_AUTH_PASSWORD", "password"
+    )
+
 
 settings = Config()
diff --git a/app/integrations/kafka.py b/app/integrations/kafka.py
index 85bee8b..0afc813 100644
--- a/app/integrations/kafka.py
+++ b/app/integrations/kafka.py
@@ -3,6 +3,7 @@ import json
 from app.utils.logger import logger
 from app.config import settings
 import requests
+from app.routes.loan import disbursement as disbursement_endpoint
 
 
 class KafkaIntegration:
@@ -52,6 +53,10 @@ class KafkaIntegration:
         consumer = KafkaIntegration._get_consumer()
         consumer.subscribe([topic])
 
+        logger.info(
+            f"Waiting for messages from topic {topic} with this timeout: {timeout}..."
+        )
+
         try:
             msg = consumer.poll(timeout=timeout)
             if msg is None:
@@ -86,15 +91,15 @@ class KafkaIntegration:
         logger.info("Kafka consumer closed")
 
     @staticmethod
-    def _call_disbursement_endpoint(message, endpoint_url=f"{BASE_URL}/Disbursement"):
-        """Call an HTTP endpoint with the received message"""
+    def _call_disbursement_endpoint(message):
+        """Call the disbursement endpoint with the received message"""
+        logger.info(f"Calling disbursement endpoint with message: {message}")
+
         try:
-            response = requests.post(endpoint_url, json=message, timeout=5)
-            response.raise_for_status()
+            response = disbursement_endpoint(message)
             logger.info(
-                f"Successfully sent message to {endpoint_url}: {response.status_code}"
+                f"Successfully sent message to disbursement endpoint: {response.status_code}"
             )
-            print(response.json())
-        except requests.exceptions.RequestException as e:
-            logger.error(f"Failed to call endpoint {endpoint_url}: {e}")
+        except Exception as e:
+            logger.error(f"Failed to call disbursement endpoint: {e}")
             raise
diff --git a/app/routes/loan.py b/app/routes/loan.py
index 562ce22..caa99b6 100644
--- a/app/routes/loan.py
+++ b/app/routes/loan.py
@@ -2,6 +2,7 @@ from flask import Blueprint, request, jsonify, current_app
 import requests
 from app.config import settings
 from app.utils.auth import get_headers
+from app.utils.logger import logger
 
 loan_bp = Blueprint("loan", __name__)
 
@@ -153,14 +154,23 @@ def rac_check():
 
 
 @loan_bp.route("/disbursement", methods=["POST"])
-def disbursement():
-    data = request.json
+def disbursement(data=None):
+    if data is None:
+        data = request.json
+
     api_url = f"{BASE_URL}/Disbursement"
 
-    return jsonify({"requestId": data["requestId"]}), 200
+    logger.info(f"Calling disbursement endpoint with data: {data}")
 
-    # response = requests.post(api_url, json=data, headers=get_headers())
-    # return jsonify(response.json()), response.status_code
+    response = requests.post(
+        api_url,
+        json=data,
+        headers=get_headers(),
+    )
+
+    logger.info(f"Disbursement response: {response.json()}")
+
+    return jsonify(response.json()), response.status_code
 
 
 @loan_bp.route("/collect-loan", methods=["POST"])
diff --git a/app/utils/auth.py b/app/utils/auth.py
index 0ef72b2..4792796 100644
--- a/app/utils/auth.py
+++ b/app/utils/auth.py
@@ -1,8 +1,10 @@
-import requests
-from flask import current_app
+from app.config import settings
+
 
 def get_headers():
     return {
-        "Authorization": f"Bearer {current_app.config['JWT_SECRET_KEY']}",
-        "Content-Type": "application/json"
+        "Content-Type": "application/json",
+        "Accept": "application/json",
+        "api_key": settings.BANK_CALL_API_KEY,
+        "app_id": settings.BANK_CALL_APP_ID,
     }
diff --git a/wsgi.py b/wsgi.py
index c9745ad..1c3b9e8 100644
--- a/wsgi.py
+++ b/wsgi.py
@@ -9,6 +9,7 @@ if __name__ != "__main__":
 
     kafka = KafkaIntegration()
 
+    logger.info("Starting Kafka consumer...")
     while True:
         message = kafka.receive_disbursement_messages(
             topic=settings.KAFKA_PAYMENT_TOPIC, timeout=settings.KAFKA_TIMEOUT