In January 2021, Providus bank announced they were shutting down their virtual account service. This sent many fintechs (piggyvest, risevest, etc) into a frenzy.

The engineering and business teams needed to find new providers, build new rails, connect the rails, test the connection, make the rails available in record time.

How were they able to do it?

In this talk, I will use a dummy fintech app (Akeke). I will describe the best-practice microservice architecture that makes it easy to turn off any API and connect to another in record time.

This talk breaks down how the right architecture decisions — microservices, abstraction layers, event queues, and modular APIs — allowed teams to pivot fast under pressure.