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BANKING IN THE CLOUD:
ULTRA-HIGH RELIABILITY
ARCHITECTURES
Jason Maude - Head of Technology Advocacy
@jasonmaude
THE PROBLEM
WITH BANKING
“Move fast and break things. Unless you are
breaking stuff you are not moving fast
enough.”
Mark Zuckerberg
“Gringotts was the safest place in the world
for something you wanted to hide”
Harry Potter and the Philosopher's Stone by J K Rowling
A tale of banking woe
If you develop, you break things
WHO ARE
STARLING BANK?
Who are Starling Bank?
• Tech start-up with a banking licence
• ~100% cloud-based, mobile-only
• Mastercard debit card
• DDs and faster payments
• Location-enriched transaction feed
• ApplePay, GooglePay, FitBitPay...
• Spending insights
• Granular card control
• Open APIs & developer platform
We built a bank in a year
• Jan 2014 - Founded by Anne Boden
• Jun 2014 - Kick-off with Regulators
• Sep 2015 - Technical prototypes
• Jul 2016 - Granted a partial banking license
• Nov 2016 - Launching the alpha app
• Feb 2017 - Launching the beta app
• Apr 2017 - Granted a full banking license
• May 2017 - Public launch
• Mar 2018 - Awarded Best British Bank
BUILDING
RELIABLE
ARCHITECTURE
Why not the monolith?
Recovery in distributed architectures
Self-contained systems
http://scs-architecture.org
Self-contained systems
L.O.A.S.C.T.T.D.I.T.T.E.O.
DITTO architecture
(do idempotent things to others)
DITTO architecture
• Do everything at least once and at most once
• Retry (at least once)
• Idempotency (at most once)
• Work towards correctness, eventual consistency
• Reduce synchronicity to a minimum
• Save all requests to the database first
• Keep the smarts in the services, not in the pipes
• No distributed transactions
• Do not trust other services
THE BENEFITS
OF DITTO
ARCHITECTURE
Instance termination is safe
Continuous(ish) delivery of back-end
• Continual deployment to non-prod, sign-off into prod
• Auto build, dockerise, test, scan, deploy < 1h
• Code released to production up to 5 times a day
Chat-ops releases
The “rolling” giphy
• Our auditors loved this one
• Yes it’s in our release documentation
• Clear signal in engineering channel that is release in progress
… and if something goes wrong...
Chaos
IN CONCLUSION
Thank you!
Check out the Starling Developer Podcast!
https://developer.starlingbank.com
@jasonmaude

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