FINTECH & DIGITAL BANKING

The Secure
Transaction Platform (STP)

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01

THE CHALLENGE

Securing and Scaling Digital Banking in a High-Threat Environment

The financial services industry is in the midst of a digital revolution, with new FinTech startups and established banks alike racing to offer innovative digital products. However, this shift comes with a massive security challenge. Legacy IT infrastructure is often ill-equipped to handle the scale and security demands of modern digital transactions. Data breaches, account takeovers, and sophisticated fraud schemes are a constant threat. Moreover, building and maintaining a secure, compliant cloud infrastructure from scratch is a massive and expensive undertaking that distracts from core business goals.
Our client, a fast-growing digital-only bank, faced these specific problems:

SECURING VULNERABILITIES

They were struggling to keep up with the evolving landscape of cyber threats. Their in-house security team was small, and the cost of deploying, managing, and constantly updating next-gen security tools was overwhelming.

SCALABILITY BOTTLENECKS

As their customer base grew, their on-premises server infrastructure was reaching its limits. Scaling up required large, infrequent capital investments and was a slow, manual process. This limited their ability to onboard new customers and launch new products quickly.

COMPLIANCE COMPLEXITY

Navigating the labyrinth of financial regulations (like PCI DSS and GDPR) was a significant burden. They needed to ensure every transaction, every piece of data, was handled with unassailable security and compliance, a task that required deep and specialized expertise.

HIGH UPFRONT COSTS

The initial investment required to build a robust, secure, and highly available cloud infrastructure was a major barrier to entry for their small, agile team. They needed a solution that would allow them to focus on product innovation, not infrastructure.

Technology - Consulting - Solutions

02

THE SOLUTION

Divine by Design's Secure Transaction Platform as a Service

Divine by Design provided the client with the Secure Transaction Platform (STP), a fully managed, subscription-based solution for their core banking operations. We didn’t just sell them software; we became their strategic technology partner, managing their entire digital infrastructure and security posture.
Key elements of our solution included:

SECURE CLOUD INFRASTRUCTURE

We built the STP on a highly secure, private cloud environment tailored for financial services. We managed all aspects of the infrastructure, from server provisioning and maintenance to network security and data backups, ensuring 99.99% uptime.

AI-POWERED FRAUD DETECTION

We integrated a sophisticated, AI-driven fraud detection engine into the platform. This engine analyzes every transaction in real time, using machine learning to identify and block fraudulent activity with an accuracy rate of over 95%. This service is continuously updated to learn from new attack vectors.

COMPLIANCE & REPORTING AS A SERVICE

We provided a continuous compliance service that monitors the platform against all relevant financial regulations. Our service generates automated audit trails and reports, making it simple for the client to demonstrate compliance to regulators and auditors.

BLOCKCHAIN-BASED TRANSACTION VERIFICATION

For added security and trust, we implemented a private blockchain ledger for a subset of their high-value transactions. This provided an immutable record, ensuring transparency and preventing manipulation.

OPEX-FOCUSED MODEL

The subscription model allowed the client to replace a huge CapEx line item with a predictable OpEx expense. This freed up capital for marketing and product development, accelerating their growth trajectory.

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03

THE RESULTS

Unprecedented Growth and Peace of Mind

The implementation of the Secure Transaction Platform had a profound impact on the client’s business, allowing them to scale rapidly and securely.

ACCELERATED MARKET ENTRY

By offloading the burden of infrastructure and security, the client was able to launch new banking products in a fraction of the time it would have taken to build their own systems, gaining a competitive edge.

FRAUD REDUCTION

The AI-powered fraud detection service reduced fraudulent transactions by 75% in the first six months, leading to significant savings and increased customer trust.

SEAMLESS SCALABILITY

The cloud-native architecture allowed the client to handle a 200% increase in transaction volume without any performance degradation or the need for a major IT upgrade.

OPERATIONAL FOCUS

The shift to a managed service allowed the client’s internal team to refocus on core business functions like customer service and product innovation, rather than being bogged down by technical maintenance.

This case study demonstrates how Divine by Design provides FinTech companies with the secure, scalable foundation they need to thrive, proving that security and innovation are not mutually exclusive.

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