DFDerek Francisinopustechnologiesblog.hashnode.dev·Aug 7 · 4 min readModernizing Legacy Core Platform Without Disruption Core banking and payment platforms rarely die. That is the whole difficulty. A switch installed in the 1990s will keep authorising transactions long after the people who configured it have collected t00
DFDerek Francisinopustechnologiesblog.hashnode.dev·Aug 7 · 4 min readWhy Cloud Migration Bills Go Up Instead of Down Most cloud programs in banking begin with a savings number. Somebody models the current infrastructure spend, applies a percentage, and the business case gets signed. Two years later the workloads hav00
DFDerek Francisinopustechnologiesblog.hashnode.dev·Aug 7 · 4 min readWhy Reliable Software Can Still Slow Your Team Down Ask a payments team which of their applications causes the most trouble and you will sometimes get an odd answer. Not the one that breaks. The one that never breaks. There is usually a system somewher00
DFDerek Francisinopustechnologiesblog.hashnode.dev·Jun 22 · 5 min readHow Fintechs Are Using Machine Learning to Cut Payment Fraud Without Killing ConversionMachine learning has quietly become the default tool for payment fraud detection, and the reason is a trade-off every fraud team knows too well. Tighten the rules and you block more fraud, but you als00
DFDerek Francisinopustechnologiesblog.hashnode.dev·Jun 22 · 5 min readWhy Payment Data Pipelines Break Under Real-Time Load (And How Banks Fix the Latency Problem)Payment data pipelines fail in ways that ruin a payments engineer’s week, and the failures rhyme. The dashboards froze. Fraud scores arrived after the transaction had already cleared. Settlement repor00