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

Approved

Relevance and Originality This research tackles a highly pertinent issue facing financial institutions—the challenge of modernizing IT infrastructure while adhering to stringent regulatory and operational requirements. By focusing on hybrid architecture and dual-track modernization, the work contributes meaningfully to the domain of financial technology and cloud strategy. The specific attention to federated service meshes and edge orchestration shows technical depth and domain-specific relevance. While the core themes align with ongoing industry trends, the articulation of a structured architectural foundation tailored for financial environments enhances the originality and provides practical guidance to stakeholders navigating regulatory and performance-sensitive landscapes.Methodology The article presents a solid conceptual framework grounded in architectural principles, mapping well to the operational realities of financial institutions. It outlines strategic components such as workload classification and governance models, which are central to hybrid deployment strategies. However, the methodological narrative would benefit from a clearer explanation of how these frameworks were derived or validated—whether through empirical case studies, industry benchmarks, or simulation-based assessments. Providing a transparent link between conceptual models and implementation evidence would improve the credibility and transferability of the proposed strategies.Validity & Reliability The conclusions drawn are logically supported by the analysis presented, especially in terms of aligning architecture decisions with regulatory and operational constraints. The emphasis on governance, workload placement, and interoperability underpins the reliability of the findings. That said, the absence of empirical metrics or comparative studies somewhat limits the strength of the generalizations made. Expanding the dataset or referencing concrete deployment outcomes from financial institutions would enhance the robustness of the claims and bolster confidence in the model’s broader applicability across varied regulatory contexts.Clarity and Structure The article demonstrates a well-organized structure, progressing seamlessly from problem statement to proposed solutions. The clarity of writing, use of technical terminology, and narrative coherence support a smooth reading experience. Concepts such as edge orchestration and consistent API gateways are introduced with contextual relevance, and the articulation of challenges versus benefits is balanced. However, the inclusion of architecture diagrams or framework schematics could further improve comprehension for readers looking to replicate or adapt the proposed models in enterprise environments. The logical build-up supports both technical and strategic interpretation.Result Analysis The results section appropriately reflects the interplay between hybrid deployment models and operational improvements in financial settings. The narrative connects architectural choices to measurable business outcomes such as compliance adherence and innovation enablement, though the lack of quantitative backing leaves room for further development. The conclusions are well-aligned with the thematic goals of the article and reinforce its practical utility for financial technology leadership.