Enterprise Payment Infrastructure Modernization for a FinTech Platform

How can fintech companies modernize cloud operations without slowing product development?

Azati helped a UK fintech company incrementally modernize the cloud infrastructure supporting its payment orchestration platform, which validates payment participants before transactions are processed through banking and compliance partners. By taking ownership of cloud platform operations, deployment pipelines, and infrastructure management, Azati freed the client's engineering leadership to focus on platform architecture, payment services, and product innovation instead of day-to-day operational support.

Discuss my platform modernization
Lean engineering team

Platform operations delegated

Enterprise

Payment orchestration platform

Engineering leadership

Refocused on product architecture

Technologies used

AWS
AWS
Pulumi
Pulumi
GitHub Actions
GitHub Actions
Docker
Docker
PostgreSQL
PostgreSQL
Datadog
Datadog
Grafana
Grafana
Cloudflare
Cloudflare

The project's specifics

Engineering leaders often become the default owners of infrastructure when specialist platform engineering capacity is unavailable. As cloud environments grow, this operational burden reduces the time available for architecture, new product development, and strategic technical planning.

The client operated a payment orchestration platform that validates both senders and recipients before transactions are processed through integrated banking, payment, and compliance providers. The platform serves as a trusted intermediary for secure financial transactions, integrating with organizations such as Mastercard, ClearBank, and Moody's.

With a lean internal engineering organization responsible for platform development, cloud infrastructure, and operational support, infrastructure maintenance increasingly diverted senior engineering resources away from strategic initiatives. After several months of unsuccessful recruitment for an experienced DevOps engineer, the client engaged Azati to strengthen cloud operations and platform engineering capacity.

How can rapidly scaling fintech companies with lean engineering capabilities modernize their operational infrastructure?

The organization was simultaneously modernizing legacy services, expanding payment capabilities, and maintaining production infrastructure with a small engineering team. Routine infrastructure operations, deployment support, and CI/CD maintenance reduced engineering productivity by consuming valuable time that could otherwise be invested in platform architecture and new product development.


Maintaining infrastructure reliability was particularly important because deployment issues could affect the continuous evolution of the client's payment orchestration platform, disrupting critical payment operations and delaying delivery of new payment capabilities.

Challenge 01

Platform engineering and modernization alongside ongoing operations

Infrastructure changes needed to be implemented without disrupting payment processing or slowing feature delivery.

#1
Challenge 02

Maintaining reliable cloud delivery pipelines

The client required consistent deployment automation and infrastructure management across AWS while supporting evolving engineering workflows.

#2
Challenge 03

Scaling engineering productivity

Developers frequently required infrastructure assistance, increasing operational overhead for senior engineering leadership.

#3

Why do fintech companies choose Azati for payment infrastructure modernization?

Immediate platform engineering capacity

After several months of unsuccessful recruitment for a senior DevOps engineer, the client expanded engineering capacity by integrating Azati directly into its delivery organization without delaying platform modernization, eliminating further hiring delays.

Infrastructure modernization expertise

Azati helped strengthen cloud platform engineering operations through Infrastructure as Code, automation, and platform engineering practices supporting long-term scalability.

Rapid integration into an existing engineering organization

The engagement enabled the client to quickly address a critical infrastructure skills gap after an extended recruitment effort, avoiding further delays to platform development.

Platform engineering for regulated fintech environments

The solution combined AWS infrastructure automation, CI/CD optimization, operational reliability for payment platforms, and developer enablement within an operational fintech environment.

Reduce infrastructure bottlenecks without slowing product delivery

Azati helps fintech companies accelerate delivery, automate platform operations, and improve engineering productivity while maintaining business continuity.

Discuss my platform modernization

How Azati stabilized cloud operations and platform engineering

Rather than introducing disruptive architectural changes, Azati incrementally modernized the cloud infrastructure supporting the client's payment orchestration platform. This strengthened the underlying payment infrastructure while preserving production stability and enabling continued platform growth.

01

Platform engineering for a UK payment orchestration platform

Beyond fintech payment infrastructure modernization and DevOps automation, the engagement also provided ongoing developer support, allowing internal platform leadership to dedicate more time to architecture, product strategy, and long-term platform evolution.

Key capabilities:
  • Infrastructure as Code
  • Cloud infrastructure automation
  • CI/CD pipelines
  • Platform engineering
  • Developer platform enablement
  • Cloud operations
  • Infrastructure tooling
  • Monitoring & observability
02

Infrastructure automation

Infrastructure management was expanded through Infrastructure as Code using Pulumi and cloud automation, improving deployment consistency. This allowed product engineers to spend less time on operational support and more time developing customer-facing payment capabilities.

Key capabilities:
  • Pulumi
  • AWS SDK
  • Infrastructure provisioning
  • Environment management
  • Automation
03

CI/CD modernization

Azati maintained and standardized deployment pipelines supporting continuous delivery across cloud environments.

Key capabilities:
04

Cloud platform engineering support

The engagement included ongoing support for developers working across multiple platform services, increasing engineering capacity by reducing infrastructure-related delivery bottlenecks for engineering teams, modernizing legacy components, and continuously evolving the client's payment platform.

Key capabilities:
  • Developer enablement
  • Developer experience improvements
  • Cloud troubleshooting
  • Platform tooling
  • Infrastructure support
05

Enterprise cloud platform engineering and operations

Cloud operations supported the reliable delivery of payment operations, maintaining observability, secure networking, infrastructure consistency, and operational resilience across the client's payment infrastructure.

Key capabilities:
  • AWS
  • Cloudflare
  • Datadog
  • Grafana
  • Route53
  • IAM
06

Secure platform operations

Infrastructure changes were implemented within the client's existing security model.

Key capabilities:
  • MFA
  • YubiKey
  • Netskope
  • Access management
  • Operational security

What Azati did

AreaContribution
InfrastructureExpanded Infrastructure as Code using Pulumi
CloudAutomated AWS resource management
CI/CDMaintained and enhanced deployment pipelines
Platform EngineeringSupported internal engineering platform teams
Developer ProductivityReduced infrastructure support overhead
Cloud OperationsMaintained production infrastructure reliability
MonitoringWorked with Datadog and Grafana
DeliveryCollaborated within an iterative engineering process

Operational challenges

Sustaining ongoing payment operations without wrecking production services

Infrastructure reliability improvements required the team to cautiously balance platform modernization with continuous delivery. Azati integrated into a six-person engineering organization without disrupting existing ownership or production processes.

Supporting a lean engineering organization

The engagement required assuming operational ownership of infrastructure management and deployment processes, allowing engineering leadership to redirect attention toward platform architecture, payment services, and long-term product strategy.

Maintaining operational stability as cloud architecture evolved

Cloud infrastructure continued evolving alongside product development, requiring continuous adaptation of automation and deployment processes.

Modernize fintech infrastructure while keeping delivery moving

Whether you're modernizing payment infrastructure, improving deployment automation, evolving a payment orchestration platform, or scaling cloud platform engineering, Azati helps fintech companies strengthen operational platforms without interrupting product delivery.

Modernize my operational platform

Key delivery outcomes

AreaOutcome
EngagementOngoing
Cloud infrastructureModernized
Infrastructure automationExpanded
CI/CDImproved
Developer supportIncreased
Cloud platform engineeringStandardized

Results & business impact

Returned engineering leadership capacity

Azati assumed responsibility for infrastructure operations, deployment support, and developer enablement, allowing technical leadership to focus on payment architecture and new platform capabilities. Engineering capacity increased without expanding permanent infrastructure headcount.

Accelerated delivery of new payment capabilities

Infrastructure requests no longer competed with product development priorities, allowing engineering teams to spend more time delivering customer-facing payment functionality. Improved developer experience reduced infrastructure-related interruptions.

Lower operational delivery risk, improved platform reliability

Infrastructure automation and standardized deployments improved release consistency and ensured sustainable operations. Infrastructure became easier to evolve as payment services continued to grow.

Strategic impact

Rather than delaying modernization while recruiting scarce cloud engineering talent, the client strengthened platform engineering capabilities through embedded cloud expertise.


This helped reduce delivery risk, increased engineering capacity, and improved platform reliability. Azati also supported the continued modernization of the client's payment orchestration platform and strengthened the engineering foundation for future payment infrastructure evolution.

Reduced delivery risk

Embedded cloud expertise eliminated the uncertainty of prolonged recruitment while maintaining platform development momentum.

Increased engineering capacity

Internal leadership redirected attention toward platform architecture, payment services, and long-term product strategy.

Stronger foundation for future evolution

The engagement established a sustainable platform engineering model supporting continued modernization of payment infrastructure.

Engagement & delivery

Azati joined the client's organization as an embedded platform engineering partner, collaborating with internal platform developers, DevOps, and technical leadership. Working within an iterative delivery process, the engagement combined payment infrastructure modernization, operational support, and continuous improvement without disrupting production payment operations.

This enabled the client to scale engineering delivery without increasing permanent infrastructure staffing.

Relevant expertise:

  • Payment platform modernization
  • Payment orchestration platforms
  • Payment infrastructure modernization
  • Payment operations
  • Financial services platform engineering
  • Cloud platform engineering
  • Platform engineering enablement
  • AWS infrastructure modernization
  • CI/CD modernization
  • Developer platform engineering
  • Engineering productivity

Azati's recent expertise in tech modernization, banking & financial operations automation

Explore Azati's recent projects in fintech infrastructure and payment platform engineering.

Enterprise Banking Platform Modernization for SME Digital Banking
Banking & Finance

Enterprise Banking Platform Modernization for SME Digital Banking

3x faster SME payment settlement
1M+ payments processed daily after platform scaling
94% reduction in manual payment processing errors
  • Java
  • Kotlin
  • Spring Boot
  • Apache Kafka
  • OpenShift
  • Microservices modernization

Business challenge

A financial institution needed to modernize its monolithic SME banking platform to resolve scalability and performance bottlenecks, ensuring the system could support high transaction volumes and enable rapid digital evolution.

Solution at a glance

Azati modernized the enterprise banking platform through microservices adoption, payment optimization, and automated delivery. This transformation delivered a scalable, reliable system that significantly increased payment processing capacity and operational efficiency for SME banking.

How Azati solved the challenge

  • Enterprise payment platform modernization: developed and enhanced core payment services supporting multiple payment channels, account operations, transaction processing, and financial reporting, enabling faster and more reliable banking services for SME customers
  • Microservices architecture transformation: supported the migration from a legacy monolithic platform to a modern microservices architecture, improving scalability, service isolation, deployment flexibility, and long-term maintainability while enabling continuous platform evolution
  • High-volume transaction processing: optimized platform performance and implemented event-driven processing using distributed messaging technologies to support rapidly growing payment volumes while maintaining low latency, platform reliability, and operational resilience
  • Platform stability and operational resilience: established engineering practices focused on high availability, production monitoring, incident response, and performance validation, ensuring uninterrupted banking services during periods of peak transaction activity
  • Embedded engineering leadership: provided technical leadership throughout the engagement, coordinating cross-functional development activities, guiding architectural decisions, maintaining code quality, and supporting continuous collaboration with client stakeholders

Business outcome

  • Massively increased transaction capacity: scaled the platform from processing approximately 10,000 payments per month to supporting more than one million payment transactions per day, providing the foundation for continued business growth
  • Faster digital banking operations: accelerated SME payment processing and settlement while reducing manual intervention, enabling faster financial operations for business customers
  • Higher platform reliability: improved system resilience and operational stability, ensuring continuous availability of critical banking services during high-demand periods such as tax seasons and payment peaks
  • Scalable modernization foundation: established a modern microservices architecture that enables faster feature delivery, independent service evolution, and simpler long-term maintenance without disrupting business operations
  • Long-term enterprise platform evolution: supported the client's ongoing digital transformation through continuous modernization, technology upgrades, architectural improvements, and embedded engineering expertise, creating a sustainable foundation for future banking innovation
Enterprise Equipment Leasing Platform Modernization for Benelux Markets
Banking & Finance

Enterprise Equipment Leasing Platform Modernization for Benelux Markets

5x sales growth in the Netherlands following platform rollout
10+ third-party integrations across KYC, AML, credit bureaus, ERP, and e-signature services
2 European markets launched with country-specific compliance workflows
  • Java
  • Spring Boot
  • Apache Kafka
  • AWS
  • Terraform
  • GraphQL
  • Financial platform engineering

Business challenge

A European equipment leasing provider needed to scale its digital platform into the Netherlands and Belgium while navigating complex, country-specific regulatory requirements. The company's original monolithic architecture hindered scalability and slowed the integration of essential processes, including identity verification, AML screening, credit scoring, and contract generation, which prevented the rapid development needed for market expansion.

Solution at a glance

Azati partnered to modernize the leasing platform (monolith to microservices) and automate the lifecycle, resulting in a scalable solution for European market expansion.

How Azati solved the challenge

  • Workflow-driven loan and leasing automation: implemented a workflow engine that orchestrates customer onboarding, KYC, AML, credit scoring, company verification, and approval processes, enabling consistent execution of complex leasing workflows across different customer types and jurisdictions
  • Regulatory and financial integrations: delivered integrations with identity verification providers, credit bureaus, company registries, ERP systems, supplier platforms, payment services, and electronic signature providers, creating an end-to-end automated leasing process
  • Microservices platform modernization: migrated the platform from a monolithic architecture to microservices, improving scalability, maintainability, and the ability to introduce new products, integrations, and country-specific capabilities without disrupting ongoing operations
  • Automated contract lifecycle management: developed automated generation of leasing agreements, payment schedules, invoices, and legally compliant document packages with qualified electronic signatures and secure cloud storage, significantly reducing manual processing
  • Scalable cloud infrastructure: built and maintained AWS infrastructure, infrastructure-as-code, monitoring, and secure service communication, ensuring reliable platform operations while supporting continuous product evolution and rapid releases

Business outcome

  • Accelerated business growth: supported rapid commercial expansion, contributing to a 5x increase in sales in the Netherlands while enabling successful rollout into the Belgian market through scalable platform capabilities
  • Fully automated leasing lifecycle: replaced fragmented manual processes with an end-to-end digital workflow covering onboarding, compliance verification, contract generation, payment planning, invoicing, and document management
  • Scalable regulatory foundation: established a platform architecture capable of supporting country-specific compliance requirements, allowing expansion into multiple European markets without fundamental architectural redesign
  • Streamlined operational efficiency: reduced operational complexity by integrating more than ten external services into a unified leasing workflow, eliminating manual coordination across disconnected systems
  • Long-term platform evolution: created a maintainable microservices architecture with embedded engineering support, enabling continuous delivery of new functionality, integrations, and regulatory capabilities as the business continues to grow
Digital Banking Platform Modernization and Continuous Product Evolution
Banking & Finance

Digital Banking Platform Modernization and Continuous Product Evolution

120K+ monthly active users supported
350K+ digital banking transactions processed every month
1.5 seconds average transaction processing time
  • Java
  • Spring Boot
  • Oracle
  • Hibernate
  • Digital banking modernization

Business challenge

A financial institution needed to continuously evolve its digital banking platform while ensuring service reliability, high transaction performance, and ongoing regulatory compliance.

Solution at a glance

As an embedded engineering partner, Azati enhanced and stabilized the client's digital banking platform. Through ongoing maintenance, feature development, and performance optimization, the team enabled continuous product evolution and improved reliability, supporting growing user activity and regulatory compliance without the need for large-scale replacement.

How Azati solved the challenge

  • Continuous digital banking enhancement: developed and integrated new functionality across mobile and online banking channels, expanding digital services while improving usability, customer engagement, and overall platform capabilities
  • Regulatory compliance delivery: implemented ongoing updates required by changing Central Bank regulations, helping ensure the platform remained compliant, audit-ready, and aligned with evolving financial industry requirements
  • Performance optimization: optimized Oracle database operations, query execution, and backend processing to improve transaction performance, increase responsiveness, and support growing digital banking workloads
  • Platform stabilization and production support: provided continuous maintenance, defect resolution, and SLA-driven production support to ensure uninterrupted banking services and rapid resolution of operational issues
  • Reliable enterprise delivery: worked closely with business stakeholders throughout requirements analysis, development, testing, and deployment, creating additional engineering capacity for platform evolution while maintaining API consistency and delivery quality

Business outcome

  • Enhanced digital banking experience: delivered new digital banking capabilities that improved customer experience across online and mobile channels while supporting continued growth in digital service adoption
  • Stable regulatory compliance: enabled the organization to respond quickly to changing regulatory requirements, reducing compliance risk while maintaining uninterrupted banking operations
  • Faster and more reliable transactions: database optimization and backend improvements streamlined platform performance, reduced transaction processing times, and improved responsiveness for high-volume banking operations
  • Higher operational reliability: continuous monitoring, rapid defect resolution, and proactive platform maintenance improved service stability while helping the client consistently meet SLA commitments
  • Sustainable platform modernization: established an ongoing modernization approach that allowed the bank to continuously improve its digital banking platform, balancing new feature delivery, operational stability, and regulatory compliance without disruptive system replacement
Financial Workflow Automation and Banking Integration Platform
FinTech

Financial workflow automation and banking integration platform

6 core financial platform domains enhanced
Tens of banking integrations and financial data sources supported
10+ security mechanisms maintained and strengthened
  • Ruby on Rails
  • React
  • PostgreSQL
  • OpenAI
  • Plaid
  • Financial workflow automation

Business challenge

A Latin American FinTech needed to scale its financial automation platform—which handles banking connections, transaction synchronization, and reconciliation—while ensuring continuous delivery of new features without compromising financial accuracy. They required expertise to expand banking integrations, improve testing, and modernize the platform while maintaining operational stability.

Solution at a glance

Azati embedded senior Ruby on Rails engineers into the client's product team to enhance core financial workflows, improve banking integrations, strengthen security, modernize parts of the platform, and expand automated quality assurance. The engagement combined feature development with stabilization of existing functionality, enabling continuous product evolution while preserving the integrity of financial operations.

How Azati solved the challenge

  • Banking connectivity and transaction synchronization: enhanced integrations with multiple banking institutions and financial services to improve transaction synchronization, account aggregation, monitoring, and recovery of missing financial data across connected systems
  • Financial operations and reconciliation: stabilized reconciliation workflows, ledger management, transaction processing, and accounting logic to maintain financial consistency as the platform evolved and new capabilities were introduced
  • Enterprise reporting and financial visibility: improved reporting capabilities that provide organizations with centralized visibility into cash flow, financial activity, operational metrics, and exportable business reports across multiple financial institutions
  • Secure financial platform: maintained and enhanced authentication, authorization, API security, audit logging, encrypted financial data handling, and secure integration mechanisms required for enterprise financial applications
  • AI-assisted financial automation: integrated OpenAI-powered transaction categorization into existing financial workflows, combining confidence-based automation with human review to improve financial data processing efficiency while preserving operational control

Business outcome

  • More reliable financial operations: improved the stability and consistency of reconciliation, ledger management, transaction processing, and banking synchronization, strengthening the reliability of day-to-day financial operations
  • Stronger banking integration ecosystem: supported dozens of banking integrations and external financial data sources, allowing the platform to continue expanding its connectivity while maintaining synchronization quality
  • Lower delivery risk: expanded automated testing, improved documentation, and stabilized legacy components, increasing confidence when delivering enhancements to business-critical financial functionality
  • Improved financial visibility: enhanced centralized access to financial information through synchronized banking connections, reporting capabilities, and transaction management, helping organizations make better-informed financial decisions
  • Sustainable product evolution: enabled the client to continue evolving its financial automation platform through embedded engineering support, combining new feature delivery with ongoing modernization, quality improvements, and platform stabilization

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