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

Approved

Relevance and Originality The research addresses a pressing need in the financial sector: managing innovation within the constraints of compliance and infrastructure legacy. By emphasizing dual-track modernization strategies, it responds to a real-world gap that many institutions currently face. The integration of hybrid architectural elements—such as federated service meshes and edge orchestration—illustrates both technical depth and sector awareness. While hybrid cloud has been discussed broadly, this work’s financial-specific focus and alignment with regulatory realities provide a refined and original perspective that elevates its value to fintech strategists and enterprise architects.Methodology The study proposes a structured approach for implementing hybrid cloud strategies using key components like systematic workload classification and strategic deployment decisions. This framework-based methodology is suitable for enterprise-scale implementation, especially in complex regulatory environments. However, the article would be stronger with clearer indications of the evaluation process—whether through applied case studies, stakeholder feedback, or architectural simulations. Adding these elements would ground the recommendations in empirical practice, making the methodology more actionable for practitioners in regulated industries.Validity & Reliability The conclusions presented are reasonable and consistent with the architectural direction laid out in the earlier sections. The connection between governance frameworks, operational coherence, and regulatory compliance is well-articulated and logically derived. Still, the reliability of the claims would benefit from supporting data—either qualitative or quantitative—to verify how well these architectural patterns perform under varied conditions. Inclusion of real-world implementations, or even hypothetical modeling, would further validate the generalizability of the proposed hybrid models across different institutional contexts.Clarity and Structure The article is well-written, logically structured, and maintains a professional tone appropriate for both technical and strategic audiences. It moves clearly from identifying industry challenges to offering actionable architectural guidance. Technical terms are used precisely and embedded naturally in the narrative, allowing readers to follow the arguments without confusion. While the content is well-balanced, visual supplements—such as decision trees, architectural diagrams, or deployment workflows—could significantly enhance clarity and assist readers in understanding the application path of the models discussed.Result Analysis The analysis draws a thoughtful connection between architecture strategy and operational capability in financial organizations. It effectively highlights how careful deployment decisions and cross-environment governance can produce measurable improvements in agility, innovation access, and compliance alignment. Additional data-backed examples would reinforce these insights further.