Dual-Track Modernization: Architectural Strategies for Hybrid Cloud and On-Premise FinTech Platforms

Approved

Relevance and Originality The research presents a highly relevant analysis of the modernization challenges faced by financial institutions in the context of evolving cloud-native strategies. Its dual-focus on innovation and compliance reflects a deep understanding of sector-specific complexities, particularly where regulatory and performance demands intersect. While hybrid architectures are not new in themselves, the contextual framing around federated service meshes and strategic governance within financial ecosystems gives the article a distinct contribution. It provides practical insight for industry practitioners seeking balanced transformation models that prioritize both agility and control.Methodology The approach described emphasizes strategic decision-making supported by architectural patterns, including workload classification and deployment strategy. This high-level methodology offers clear theoretical alignment with enterprise modernization practices. However, further elaboration on how these models were tested or validated in operational settings would enhance credibility. If grounded with actual implementation cases or system behavior analysis, the framework could serve as a strong reference for institutions seeking to structure their hybrid deployment effectively.Validity & Reliability The findings align logically with the stated goals, reinforcing the idea that a well-managed hybrid architecture can enable innovation while maintaining regulatory alignment. The article demonstrates internal consistency, and the conclusions are appropriate given the discussed strategies. Nonetheless, the reliability of the research could be improved by including detailed outcomes, such as KPIs, performance benchmarks, or user feedback from real deployments. This would help determine how widely applicable the findings are across different financial institutions and technology stacks.Clarity and Structure The article is written in a clear and structured manner, making complex topics such as edge orchestration and federated service meshes accessible to both technical and managerial readers. The logical flow from sector challenges to architectural solutions and strategic implications ensures readability. Arguments are well-articulated and coherent, though visual elements like framework diagrams or system architecture overlays could improve the communication of layered concepts. The clarity of presentation supports comprehension without diluting the technical integrity.Result Analysis The analysis provides a meaningful connection between hybrid deployment choices and tangible benefits such as regulatory alignment, operational resilience, and access to cloud innovation. The conclusion is coherent with the challenges introduced, though further quantification of improvements or comparative assessments would provide a stronger empirical basis for the proposed models.