Retail Banking Infrastructure
Challenges
- Mobile app must be available 24/7 across global time zones
- ATM network requires ultra-low latency authorisation
- PCI-DSS scope covers all card data and transaction systems
- Branch systems need hybrid cloud + on-premises connectivity
- Fraud detection must operate in real time during transactions
- Seasonal spikes — tax season, holidays, salary payment days
CloudFormation Solves
- Multi-region active-active with Route 53 health-based routing
- ElastiCache for ATM authorisation caching with microsecond response
- PCI-DSS CDE isolation enforced in every canvas design scan
- Direct Connect / ExpressRoute for branch hybrid connectivity
- SageMaker real-time inference for transaction fraud scoring
- Predictive Auto Scaling for salary payment peak periods
Core Infrastructure Patterns
1
Mobile Banking Backend
API Gateway → Lambda → Aurora (read replicas in 3 AZs) + ElastiCache. CloudFront for static app assets. Cognito for authentication with MFA.
2
ATM Authorisation Network
Network Load Balancer (low latency) → EC2 with placement groups → ElastiCache Redis for session cache. VPN to ATM network. Sub-200ms authorisation SLA.
3
Fraud Detection Pipeline
Kinesis Data Streams → Lambda feature extraction → SageMaker real-time endpoint → EventBridge rule to block card instantly if fraud score > threshold.
4
Compliance & Reporting
CloudTrail + Config + SecurityHub for continuous compliance monitoring. S3 + Glacier for 7-year transaction archive. Automated PCI-DSS evidence reports.
Business Outcomes
99.999%
Mobile banking uptime
< 200ms
ATM authorisation
95%
Fraud detection accuracy
40%
Infrastructure cost saving
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