Revolutionizing Mobile Payments with Microservices

In the age of mobile devices, social media, and ubiquitous connectivity, it comes as no surprise that companies and users are generating more data and traffic than ever before. As a result, companies that build software and applications need a new approach when it comes to meeting customer expectations and delivering strong experiences.

For example, when mobile payments first emerged, adoption was lackluster. While mobile payments still haven’t fully caught on in the United States just yet, other regions of the world—like Scandinavia—are leading the way and become mobile payment-first societies.

For mobile payment apps to take off, they need to be easy to use and feature-rich. Otherwise, credit cards and cash will remain supreme.

Beyond that, mobile payment apps need to be:

  • Contextual. It’s not enough to understand a piece of data in isolation. If a transaction comes in from a credit card, organizations need to know how many transactions have happened recently and where they’ve happened (e.g., for fraud detection purposes).
  • Always on. If we think as mobile payments as a replacement for a wallet, then mobile payment apps need high availability so that customers can use them every time they want to pay for something.
  • Real time. Mobile payment apps also need predictable SLAs for reads and writes to ensure real-time communications flow.
  • Distributed. The data that powers mobile payment apps needs to be fluid and exist when and where it is needed. 
  • Scalable. Mobile payment apps also need to be able to scale to accommodate rapid growth. If your business is successful, the last thing you want is to be restricted by the IT that powers your operations.

Meeting these requirements starts with a new approach to application development. To give you a better idea of what that looks like, let’s take a look at how one leading bank rearchitected its app to deliver a powerful mobile payment solution to its customers.

MobilePay moves to DataStax

MobilePay is a mobile payment app made by Danske Bank, which is the largest bank in Denmark. The app offers its users a variety of features, including person-to-person payments, point-of-sale payments, eCommerce payments, subscription payments, invoicing services, and more. 

Due to this robust feature set, it comes as no surprise that MobilePay is the leading payment application in Denmark and Finland. In fact, it’s on 90% of all smartphones in Denmark.

After MobilePay was launched, customers were registering for the service at a faster rate than expected—to the point where the app simply couldn’t handle the demand. 

The MobilePay development team knew they needed to support the demands of a fast-growing customer base while maintaining high-quality services and adding new features. Doing this required a new approach.

After doing their due diligence, MobilePay’s engineering team determined that their microservices architecture was well-suited for DataStax’s highly available and highly scalable database. Further, the production support from DataStax gave them the peace of mind that comes with knowing that they’d have someone to turn to in the event they ran into a jam.

MobilePay knew that if it kept things as they were, it would be hard, at best, to meet customer demand. So they moved to DataStax—a decision they feel has helped them future-proof their software. As an added bonus, they were able to maintain a 9-out-of-10 customer satisfaction score while transitioning their architecture to DataStax.

As a result of MobilePay’s decision, the app is now able to accommodate a rapidly growing customer base with ease. 

For more information on MobilePay’s journey to DataStax, listen to this quick podcast-style case study. To learn more about how microservices are revolutionizing mobile payments, check out this on-demand webinar.
 

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