Application Performance Engineering for NBFCs (Nonbank Lenders & Fintechs)
De-risk launches across origination, servicing, collections, BNPL, and card programs. Engineer performance, availability, scalability, and resiliency so customer journeys hold under US peak loads (payday spikes, statement runs) and regulatory expectations (CFPB, GLBA, PCI DSS v4.0, Nacha) are met.
Challenges in Fintech & Specialty Finance: Throughput, Latency, and Cost
- Late discovery of PAS (performance-availability-scalability) issues in SIT/UAT and N+1 queries in credit decisioning, chatty IDV/KYC calls, outsized 3rd-party latency (fraud, bureaus), and mis-sized infra.
- Hotfix spirals & blown CAC/LTV when outages hit during marketing pushes or statement cycles; cost balloons fixing cross-system issues at the end rather than the source.
- Compliance & audit gaps due to no defensible evidence of peak readiness against PCI DSS v4.0/GLBA; incomplete DR/cutover rehearsals; weak capacity plans.
- Cloud bill creep with microservice fan-out, noisy neighbors in Kubernetes, and over-provisioned queues/datastores driving runaway spend.
Our Approach to Performance Engineering for NBFCs
At Avekshaa, our P-A-S-S™ Assurance Platform + shift-left methods catch risks when 10% is built, not when it’s “ready to ship.”
Confidence From The Start
Journey-based workload models across US flows: pre-qual, application, KYC/IDV, decisioning, funding, card activation, payments/ACH returns, disputes/chargebacks. Define SLIs/SLOs and latency budgets aligned to GLBA/PCI and business SLAs.
Adaptable Solutions
Tool-agnostic engineering: service budgets, back-pressure, circuit breakers, connection pooling, async patterns. Load/stress/soak/failover/chaos with JMeter/k6; CI/CD perf gates; OpenTelemetry-first tracing.
Flexibility Across Stacks
Microservices/Kubernetes, event streams (Kafka), datastores (Postgres, MySQL, DynamoDB, Redis), credit decision engines, fraud/IDV vendors, and cloud (AWS/Azure/GCP). Include batch (statement, dunning) and cutover/rollback.
Complexity Simplified
Capacity plans, cost/perf trade-offs, resiliency drills (zonal/region), active-active designs. Evidence packs mapped to PCI DSS v4.0 and GLBA. No “trust us”, auditor-ready artifacts.
Why Partner with Avekshaa?
01
Prevent outage-induced CAC waste and reputational hits during campaigns.
02
Cut re-work with root-cause fixes where they start (not at launch).
03
Prove peak readiness for payday/statement cycles and ACH/Nacha windows.
04
Produce audit-friendly evidence (PCI DSS v4.0, GLBA) and DR results.
05
Optimize cloud spend without sacrificing latency or resiliency.
We make our customers business-ready for the Digital age.
Avekshaa Technologies is a leading Application Performance Engineering, Management & Quality Assurance organization. We empower businesses across verticals to focus on growth while assuring unparalleled IT performance and reliability.
+
5000 +
Complex Technical Problems Prevented &
Solved.
10 +
Most Complex Performance Engineering Programs Delivered.
90 % +
Customer Advocacy.
150 % +
Average Performance Improvement Across Projects.
50 +
Unique Case Studies.
14 +
Leading Industry Recognitions.
60 +
Leading Enterprise Customers Across Verticals.
30 +
Amongst the World's Most Complex Performance Engineering Projects Delivered.
12 +
Years of Customer Trust.
2
Patents Awarded by the US Patents Office.
2x to 10x
Return on Investment Delivered.
600,000 +
Hours of Work Delivered.
Our Awards & Accolades
Our clients simply love our work
Reliance Industries’ technology leaders talk about the importance of proactive performance engineering and the role Avekshaa played in successful performance engineering of one of the largest Digital transformation programs in the world involving 100 million+ users with 10-20 million concurrency.
Avekshaa brings in best in class expertise, domain experience, rich case studies and above all highly professional processes and methodologies which deliver truly world class results. Their solutions in the Performance engineering and optimization space – like improving performance, availability and scalability of business-critical IT systems are proactive and holistic with a clear long term in the perspective.
Avekshaa constantly strives to go the extra mile to exceed the expectations hence positioning them amongst the leaders. We are extremely happy with our association with them and look forward for an ongoing partnership with Avekshaa to deliver best in class solutions to our clients. Wish Avekshaa the very best always.
Mr. Rajeswar, Member of Board-Advisory Genisys Group, Evangelist Technology, Strategy and Business Excellence
Technologies We Have Worked On
Frequently Asked Questions
The NBFC/fintech journeys that we model on include pre-qual, application, KYC/IDV, decisioning, disbursement, card lifecycle, payments/ACH returns, disputes, collections, and service desk flows.
Yes, we are adept at working with fraud/IDV, credit bureaus, payment processors, and orchestration layers and simulate real latencies/errors/timeouts.
We align PCI/GLBA evidence needs with Runbooks, test plans, SLO compliance, DR outcomes, and system-of-record traces mapped to controls.
Absolutely! Avekshaa is a preferred tech vendor for right-size instances, concurrency/pooling, queue back-pressure, and storage tiers to hit latency at sane cost.
Some of the leading tools. APM that we work with include Datadog, Dynatrace, New Relic, AppDynamics, and OpenTelemetry.