VC-backed European fintech case study

VC-backed European fintech helping users pick the best credit card for every purchase

Challenge
A European VC-backed fintech built an app that unifies all of a user’s credit cards and helps choose the most rewarding one in real time. As the user base expanded, the platform’s monolithic backend couldn’t keep up with growing transaction volumes and the complexity of instant card selection. This led to performance bottlenecks, slower processing, and limited scalability
Solution
• We worked with the client’s engineering team to redesign the backend using a cloud-native microservices architecture on AWS. The migration broke down the monolith into independent services for transaction processing and routing, card selection logic, secure user account management, and integrations with issuers and payment networks
• To handle the complexity of real-time card choice, we implemented asynchronous pipelines that evaluate transaction context, including MCC codes and issuer benefits, and apply low-latency business rules for edge cases. This allowed the system to recommend and route payments to the most rewarding card instantly, without disrupting the checkout experience
• We also delivered API integrations with multiple card issuers, ensuring the platform remained up to date on card benefits and could perform balance checks through cost-efficient issuer APIs instead of relying solely on international payment processors. On the infrastructure side, we introduced autoscaling groups, load balancing, and observability tooling to sustain growing traffic, track anomalies, and ensure fault isolation across services
• To improve developer velocity, we set up CI/CD pipelines and automated test environments, allowing the team to ship new product features faster while maintaining stability and compliance with financial standards
Impact
40%
faster transaction processing, reducing latency during high-volume periods
2x
increase in actual transaction throughput after migration to microservices, with almost unlimited possibilities for future growt
30%
faster rollout of new features thanks to streamlined release cycles
Tools & Technologies
Backend
AWS Lambda
AWS SQS
AWS RDS for PostgreSQL
Amazon ElastiCash (Redis knock-off)
Amazon DynamoDB
Async Data Processing
AWS Glue
AWS Kinesis Data Streams
Frontend
React
Amazon CloudFront

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