Scaling a Tier-1 Neo-Bank to 4.8M Users with Real-Time AI Fraud Prevention
Architecting a fault-tolerant financial platform with sub-15ms fraud interception SLA.
Initial Operational State
Apex Financial was experiencing exponential growth, processing over $120M in monthly volume. However, legacy monolithic services caused checkout latency spikes during paydays and an unacceptably high 1.8% fraudulent chargeback rate, resulting in severe card network penalties.
Engineering Intervention
Avora Innovations re-architected the core backend into event-driven microservices running on AWS EKS with MariaDB and Redis clustering. We engineered an inline Graph Neural Network fraud detector that evaluates 140+ behavioral signals in under 12ms before transaction authorization.
Technologies & Infrastructure Stack
Step-by-Step Implementation Roadmap
Decomposed monolithic PHP codebase into containerized Go and Node.js microservices.
Implemented dual MariaDB master-replica topology with connection pooling handling 18,000 queries/sec.
Built a sub-15ms inference service with PyTorch and Triton Inference Server.
Deployed automated CI/CD via GitHub Actions with 100% test coverage and zero-downtime rolling deploys.
Constructed a bespoke React 19 administrative portal with real-time transaction telemetry.
Production Metrics & Results
“Avora delivered an enterprise banking infrastructure that handled our 400% surge without a stutter. Their machine learning fraud engine paid for the entire project within the first 60 days.”
Avora Services Leveraged in this Engagement
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