Financial Services & Fintech · Case study

Re-architecting an agent-banking and micro-ATM platform for scale

A payments provider serving neighborhood retailers needed its transaction platform to handle rapid growth without outages or slow agent onboarding.

Abstract illustration of a transaction network with a rising throughput chart
3×
peak transaction capacity
<24h
agent onboarding, down from ~5 days
99.95%
platform availability
−38%
infrastructure cost per transaction

The challenge

The client lets retail shops in semi-urban and rural areas act as banking agents, offering cash withdrawals, deposits and bill payments. Growth was strong, but the platform behind it was a single monolithic application that struggled at month-end peaks.

Onboarding a new agent involved paper forms, manual KYC checks and several days of back-and-forth. Every outage meant agents turning customers away, and every delayed onboarding meant lost revenue.

Our approach

We began with a two-week architecture and code review and agreed on a modernization path that avoided a risky big-bang rewrite. The transaction path was separated from reporting and back-office functions, given its own scalable services and protected with queues and idempotent processing.

  • Strangler-pattern modernization of the monolith, starting with the highest-load transaction services
  • Digital agent onboarding with document capture, e-KYC integration and automated risk checks
  • Containerized deployment with auto-scaling, blue-green releases and full CI/CD
  • Centralized logging, tracing and real-time alerts on transaction success rates

The results

Month-end peaks now run without manual intervention, new agents start transacting within a day, and the operations team watches success rates in real time instead of hearing about failures from the field. The client's in-house team now ships to production weekly using the pipelines and runbooks we handed over.

Technology

  • Java / Spring Boot
  • React
  • PostgreSQL
  • Redis
  • Apache Kafka
  • Docker
  • Kubernetes
  • AWS
  • Terraform
  • Grafana

More work

More case studies.

Start a conversation

Let's talk about what you're building next.

Tell us about the challenge on your desk. Within one business day a senior consultant will reply with initial thoughts, and with questions if we need them, before any sales conversation.

  1. A reply within 1 business dayFrom a consultant, not a sales script.
  2. A 30-minute discovery callWe listen, ask hard questions and share early ideas.
  3. A clear proposal in about 5 daysScope, team, timeline and a transparent estimate.