A MAS-licensed digital bank was outgrowing its payments core. Zimozi re-engineered its payment-rail integrations and performance-testing strategy so it could clear PayNow, FAST and GIRO volume at scale, without downtime, ahead of a major customer-acquisition push.
The bank had launched fast and won customers quickly. But its original payment integrations were tightly coupled to a single processor, retries were ad-hoc, and there was no realistic way to know how the system would behave on payday spikes or a viral promotion. Leadership was about to switch on a large acquisition campaign and needed certainty that real-time payments would not buckle, and that the platform met MAS technology-risk expectations for resilience.
No production-grade load model. The team could not answer “how many transactions per second before we degrade?” with confidence.
PayNow / FAST / GIRO flows were coupled and synchronous, so a slow downstream response cascaded into timeouts and failed transfers.
Limited failover and observability made it hard to evidence the availability and recoverability MAS TRM guidelines expect.
Each payments change was nerve-wracking, no automated performance gate meant regressions could reach production unseen.
We reconstructed true traffic shapes, payday surges, promo spikes, end-of-month GIRO batches, into a repeatable performance-test suite (k6 + custom harness) running against a production-like environment.
We introduced an asynchronous payment-orchestration layer with idempotency keys, queue-backed retries and circuit breakers, so a slow rail degrades gracefully instead of cascading.
Active-active deployment across availability zones, automated failover, and standards-aligned message handling (ISO 20022) for clean interoperability and auditability.
Wired load tests into CI/CD so every payments change is benchmarked automatically, regressions fail the build, not the customer.
A resilient orchestration layer now sits between the banking app and the national rails, absorbing spikes, retrying intelligently, and giving the team a live view of throughput, latency and success rate across every rail.
Progressive load tests ramped traffic well beyond projected peak. The live performance dashboard let the team watch throughput climb while p99 latency and success rate held steady, and pinpoint exactly where to tune.
“For the first time we knew exactly how far our payments platform could go, and we walked into our growth campaign without holding our breath.”
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