Fintech & Payments

Payments, lending, UPI and financial systems engineering.

139 stories

How We Solved a Kafka Freeze, 5x-ed Throughput, and Right-Sized Our Partitions — Lessons from…
Slice

How We Solved a Kafka Freeze, 5x-ed Throughput, and Right-Sized Our Partitions — Lessons from Production at Scale At Slice, we run a high-throughput event-driven backend. Kafka is at the center of it, processing payments, order lifecycle events, and downstream integrations…

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Building a Multi-Provider Rewards Platform: An E-Commerce Approach to Rewards at Scale
Razorpay

We built a multi-provider rewards platform using e-commerce patterns. Here’s why that matters. You’re running a loyalty program. Customers are redeeming points for gift cards, ongoing offers, memberships, or experiences. Then your provider’s API times out. You refresh. Try…

Processing Millions of Records Using Spring Batch
Groww

In financial systems, a lot of critical work happens quietly after market hours. Once the stock market closes, exchanges share multiple large files with brokers. These include trade files, contract details, holding updates, and daily charges. These files contain thousands, and…

Rewriting Legacy Systems: The Safe and Calm Way
Groww

Author: Rijul Gupta In a fast-growing product company, engineering teams are expected to move quickly and ship confidently. Even with solid engineering practices, every mature system reaches a stage where the cost of change rises steadily — both in terms of risk and time to…

Mastering Cloud Cost Optimization: Lessons from Scaling Trino, Spark and S3
Slice

Cost management is a critical factor in the implementation and maintenance of a data platform, as it often accounts for a significant share of an organization’s overall infrastructure costs and must consistently deliver strong return on investment. As data platforms scale to…

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Optimizing Merchandising: Machine Learning for Real-Time App Experience and LTV Maximization
PhonePe

At PhonePe Limited (“PhonePe”), the top banner on our platform’s homepage (the “masthead”) isn’t just an ad slot—it’s the important real estate we have. However, delivering real-time, personalized recommendations at a scale of hundreds of millions of users presents a complex…

Our Obsession with Merchant Experience: Breaking the Risk Review Black Box
Razorpay

Contributor : Yashshree Shinde When merchants couldn’t see why their funds were on hold, trust broke down. Here’s how we rebuilt the entire experience. You’ve shipped your products, paid your delivery partners, and you’re waiting for settlement. Then you receive a notification:…

Scaling PMM: A Decoupled Architecture Story
CRED

As CRED grew, so did the invisible machinery behind it. Scaling from 100 to over 400 database instances pushed our monolithic Percona Monitoring Management (PMM) to its breaking point. This is the story of how we decoupled our observability stack, pivoting to VictoriaMetrics…

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Bringing Interfaces to Life with Rive: Real-Time Animations at slice
Slice

At slice, we’ve always believed that a good UI shouldn’t just react, it should feel alive. When we started building new experiences like Voice Pay, we quickly ran into a problem that traditional animation tools just couldn’t deliver the kind of real-time interactivity we were…

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Building slice’s Chatbot: An Engineering Journey (Series 2)
Slice

Tags:Intent Detection, Decision Tree, User Experience, Support Automation Introduction Modern customer support faces a fundamental paradox: despite having comprehensive user data, transaction histories, and real-time system states, most chatbot interfaces still present users…

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Powering Real-Time Decisions with PhonePe’s Garfield Platform and Apache Druid
PhonePe

At PhonePe’s scale, handling millions of transactions and user interactions every hour requires an analytics platform that’s not just fast, but instant. When every millisecond counts — both for user experience and incident detection — batch processing simply doesn’t cut it.…

Choosing between Maestro and Detox on Jupiter | QA Automation
Jupiter Money

Choosing between Maestro and Detox for our app QA Automation needs At Jupiter, we continuously strive to deliver a seamless and reliable experience to our users, which makes testing a critical part of our development process. Shipping high-quality mobile apps is brutal with…

Centralized Dynamic Navigation at Scale: Zero Crashes, Module Independence, Faster Delivery
Slice

How we achieved a crash less centralised navigation system using deep-links and runtime destination loading in our android app. Pre-requisite: This is an advanced concept, Basic Android Navigation understanding is required: NavController: Manages navigation between…

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Pincode Migration Journey with Compose Multiplatform
PhonePe

In today’s diverse technological landscape, the ability to create applications that seamlessly operate across multiple platforms is a significant advantage. At Pincode, our seller app, was initially created using Android SDKs with Compose UI in Kotlin, and catered exclusively to…

Building Slice’s Chatbot: An Engineering Journey (Series 1)
Slice

Building slice’s Chatbot: An Engineering Journey (Series 1) Tags: MQTT, EMQX, Kafka, Real-Time System, Event-Driven Systems Introduction As our chatbot requirements grew, we transitioned from a managed chatbot solution to an in-house system. This blog highlights the challenges…

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PubSub at Scale: PhonePe’s “Bullhorn”
PhonePe

Problem Statement PhonePe, as a payments platform, has an essential feature that allows users to check all past transactions. When payments are made to businesses/merchants, users have access to a historical view of all such transactions. For peer to peer transactions, however,…

The Journey to Faster Android Builds: How We Slashed Our Build Times at slice
Slice

As an Android developer at slice, watching our app evolve from a simple financial product to a full fledged bank has been exciting. But this growth came with a challenge familiar to many developers: increasingly painful build times. What started as a minor inconvenience…

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The Tale Before the Design System
PhonePe

In the early days of PhonePe, we started with just one application. Our pace was fast, almost like a race against time, and our initial engineers managed to keep things tidy. Colors, typography, and size constants were well-organized, ensuring a cohesive look and feel. Our small…

Seamlessly Migrating from MongoDB to PostgreSQL: Leveraging Data Platform for Scalable Success
Slice

Freaking hard Migration from MongoDB to PostgreSQL: Leveraging Data Platform for Scalable Success Introduction In today’s fast-paced digital landscape, selecting the right database technology is a crucial decision for any organisation’s success. Initially, MongoDB’s flexible…

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Vulnerability Management & Risk Scoring for Business Services
PhonePe

In the rapidly evolving FinTech sector, PhonePe Private Limited, an India-born leader in financial services, stands out for its innovative range of products and services. Offering everything from UPI transactions and bill payments to stock market investments, personal finance…

How we test gRPC services at CRED
CRED

Introduction CRED has a large number of services powered by gRPC technology and we rely on it for fast, reliable communication between our different systems. These suites of microservices power our financial services platform that is leveraged by many consumer-facing teams…

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Virtual Machine Provisioning and Management in PhonePe
PhonePe

This blog post provides a high-level overview of PPeC (PhonePe Cloud) Agent’s architecture, its interaction with other key components like the PPeC API and PPeC Proxy, and how it optimizes tasks such as VM creation, resource allocation, and dynamic disk management. Evolution and…

Good Alerts
Slice

This is written by Sarthak – Staff engineer, BankingThis write up summarizes some Opinions™️ that I have around good alerts, particularly in the context of infrastructure and platforms. The advice in here doesn’t represent universal truths, merely my experience over being…

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Introducing the PhonePe App Platform
PhonePe

Intro PhonePe’s apps have over 560m registered users, and are built by 250+ mobile engineers. The company ships 7 different apps (10, if you count Android and iOS separately). Operating at this scale, it’s been necessary to invest in and build a solid app platform. This blog…

Demystifying TStore: The Backbone of Billions of Transactions at PhonePe – Chapter 2
PhonePe

Chapter 2 : A Deeper Dive In chapter 1, we explored TStore’s functionalities like high-velocity ingestion, efficient reads, and flexible querying, its core concepts like Entities, Units, and Views and finally components like the Client Bundle, Schema Registry, Entity Ingestor…

Nimbus: Flexible BareMetal Provisioning
PhonePe

As PhonePe continues to grow rapidly, the scale and reliability of our infrastructure becomes more important. By developing our own infrastructure, we’re able to adapt quickly while keeping our services reliable. In order to meet our deployment needs, we use specialized in-house…

Building the Pincode Android App on Jetpack Compose: A Journey
PhonePe

This blog narrates our team’s journey with Compose, detailing its inception at PhonePe, its adoption by the Pincode team, our experiences, and the challenges we faced. The Pincode Android app UI is built using Jetpack Compose. As of July 2024, the app has over 2.5 million…

Managing Elasticsearch at scale at PhonePe – Part 3
PhonePe

In this article, we will discuss the optimizations we did to reduce the footprints of our Elasticsearch. We optimized write throughput and reduced disk storage by leveraging query patterns and tuning indexing and doc_values for fields in elastic search.