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FinTech, AI, and engineering leadership insights.

Practical notes from delivery work: banking platforms, architecture tradeoffs, AI adoption, security, developer experience, and modernization decisions.

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Pins and Passwords

Pins and Passwords

Jul 1, 2025 10 min read AuthenticationPasswordless

Introduction How many of us have stared blankly at a login screen, desperately trying to recall that complex password? It’s a frustratingly common experience, and a surprisingly significant …

The Test Data Dilemma

The Test Data Dilemma

Jan 6, 2025 7 min read Test DataData Privacy

A Silent Challenge in Software Development When building software, one big challenge often goes unnoticed – getting the right test data. As a software architect, I have worked with many …

Time Based Otp

Time Based Otp

Jul 15, 2024 6 min read Two-Factor AuthenticationTOTP

While using any corporate application that is secured by Two Factor Authentication (TFA), we get an option to scan a QR code via an authenticator app. And then after, the number generated by …

Apis Are Forever

Apis Are Forever

May 26, 2024 1 min read

APIs, like diamonds are forever. APIs are expensive to build and maintain, and once developed they have little resale value. As an architect, we have to give full attention to the APIs being …

Sequence Diagrams using Mermaid

Sequence Diagrams using Mermaid

Apr 6, 2024 11 min read Mermaid.jsDiagrams

I have been creating designs for software solutions for quite some time now. A picture is worth a thousand words and hence the different diagrams really help in expressing the software …

Adaptive Authentication

Adaptive Authentication

Feb 17, 2024 6 min read AuthenticationSecurity

Motivation behind this blog During a visit to my friend’s house, I needed to check my email on his laptop. Upon entering my credentials, I encountered a captcha prompt unexpectedly. After …

Sim Binding

Sim Binding

Feb 10, 2024 11 min read Sim BindingSecurity

Sim binding is a process requirement by RBI to provide secure mobile applications. The RBI has issued the Master Direction on Digital Payment Security Controls to ensure the security of …

Dev Experience

Dev Experience

Feb 3, 2024 9 min read Developer ExperienceCollaboration

I recently came across this article on the GitHub blog that discusses how GitHub’s Developer Experience (DX) team improved innerloop development. While reading the article I was reminded of …

The Art and Science of Prompt Engineering

The Art and Science of Prompt Engineering

Nov 19, 2023 5 min read

content With the rise of conversational and generative AI systems like ChatGPT, Bard etc., the way of working is being disrupted. To not be afraid of AI snatching jobs, we must embrace AI …

Embracing Global Diversity

Embracing Global Diversity

Nov 17, 2023 4 min read global teams

Insights from a World of Experiences At the onset of my career, the allure of working “On-Site” was a shared aspiration among my peers and me. The prospect of immersing ourselves in diverse …

The technology of modern banks

The technology of modern banks

Nov 8, 2023 6 min read FinTechTechnologies

Innovations Shaping the Financial Landscape The banking industry, a traditionally conservative sector, has witnessed a radical transformation driven by technological advancements. In the …

Start Here: Most Read

If you're new here, these are the best entry points into the site: banking architecture, platform design, AI, and engineering leadership.

  1. The Technology of Modern Banks — a clear walkthrough of the platform layers behind modern banking.
  2. Multi-Tenant Architecture — practical design trade-offs for shared platforms at scale.
  3. Unlocking the Power of Large Language Models — the business and technical framing for LLM adoption.
  4. Dev Experience — why engineering productivity is an architecture concern, not just a tooling concern.
  5. Digital Banking Modernization Case Study — a proof-first transformation narrative grounded in delivery reality.