palaniappan p4 min
FinTech Payments & Compliance on AWS (2026): Ledger, Fraud, and PCI Boundary Reference Architecture
For a card-acquiring fintech (~12M authorizations/mo), Payment Cryptography + PCI-scoped account cut HSM rack lease −$18k/mo — fraud review queue p95 2.4s → 380ms after EventBridge Pipes idempotency fix.