I-British payments i-industry yenzelwe ngexesha elide kwi-infrastructure ye-cloud eyenziwe ngama-tech giants ezifana ne-Amazon Web Services (AWS) kunye ne-Microsoft Azure. Xa amaqela ezininzi zithunyelwe ngo-Oktobha, baye zithunyelwe isibini esiyingqiweyo: isisombululo se-digital systems eyenziwe kwi-assumption that hyperscale clouds never fail. Kule nqaku, iimveliso isibuyekeza yintoni izixazululo malunga ne-operational dependency, i-systemic risk kwi-payments, kunye ne-how-looking can rethink resilience in a cloud-centric world. Ukucinga Executive Advisor Alex Batlin I-Awakening Call of Autumn 2025 Yintoni I-AWS yokufunda Ukusetyenziswa kwe-DNS-related problem e-US-EAST-1 region. Ngaphezulu kwiveki edlulileyo, kwi , i-Microsoft Azure ibonelela kwi-root-root-cause enkulu ebonakalayo kwi-malconfiguration ye-Azure Front Door (AFD) ye-global routing infrastructure. 20 October 2025 Ukuvunyelwa kweMisa 29 October 2025 Nangona zonke izixazululo zangaphantsi iiyure eziliqela, imiphumo yenzelwe ehlabathini lonke kwiinkonzo ezininzi ezininzi. Izixazululo zikhusela kuphela izixazululo zehlabathi zehlabathi okanye ama-social media ezifana ne-Snapchat, i-Slack okanye i-Zoom, kodwa nangaphezulu kwezigidi zeengcali ze-UK, kuquka Iinkonzo ezidlulileyo ze-AWS ziquka i-Lloyds Bank, i-Halifax, i-Bank of Scotland kunye neCoinbase. Izigidi zeengcali zeengcali zeengcali ze-UK nge-card payments okanye ukufikelela kwi-akhawunti zebhanki zayo. iingcali, i-public sector kunye ne-financial services industries Iimpawu ze-Enterprises Experiencing Kwimeko ezininzi ze-CTO, iingxaki zihlanganisa i-exposure ye-financial ezihambelana ne-cloud dependency. Yonke imizuzu ye-shutdown iye yenza iintengiso ezikhoyo, i-check-out ezihambelana, kunye ne-eroded consumer trust – iingxaki ezihambelana ngaphezulu kweeyunithi ze-IT. Iingxaki zihlanganisa kwiimilioni ezihambelana neengxaki ezihambelanayo kwi-UK payments landscape. Umfundisi apha ayibonakalayo: ukuzinza kufuneka isetyenziswe njenge-obugcisa yebhizinisi, akuyimfuneko kuphela ye-technical njenge-impact directly on profitability and customer confidence. Yintoni i-UK payments sector yaba aqondile Ukuphakama okuphakeme kwi-providers ezincinane I-payment industry e-UK inesibophelela kakhulu kumadivayisi ezinkulu ze-cloud. Nangona idatha ye-branch-specific ingaphakathi kwiminyaka eyi-2025, i-analysts ibonise ukuba i-UK Public Sector kuphela iye iye iye iye iye iye iye iye iye iye zitholise i-AWS. , Ukubonisa nje ngexabiso ingxubevange i-provider. £1.7 billion kwiingxowa ukususela ngo-2016 I-ecosystem epheleleyo ibonisa ukuba xa i-hyperscaler enkulu ibonakaliswa, iinkonzo ezininzi ezifana ne-banking apps, i-check-outs kunye ne-routing systems ziye ziye zithunyelwe. Le nophuhliso lwangaphantsi ukusetyenziswa kwe-cloud ngokukhawuleza - iinkonzo ezininzi ze-third-party ezininzi ezininzi ezihlawulwayo kwi-payment providers ziye zithunyelwa kwiiplatforms ezininzi ze-cloud, kwenza iingxaki ze-cloud. Imibuzo Regulatory Iinkqubo zokulawula ezifana neFinancial Conduct Authority (FCA) kunye neBank of England (BoE) malunga ne-"risco ye-concentration" kwi-cloud infrastructure: iinkampani ezininzi ezihlabathi kwiinkampani ezincinane ze-cloud ezininzi zihlanganisa i-risco ye-systemic. I-AWS kunye ne-Azure ezidlulileyo zihlanganisa le ngxaki. iingxaki ezidlulileyo Iingcebiso ze-blockchain: Iimodeli ye-resilience eyenza uphando Nangona imveliso yebhizinisi yebhizinisi yandibana kunye neengxaki zezi, kukho umfundiso olufanelekileyo kwi-infrastructure ye-blockchain. Emva kweminyaka embalwa, i-Ethereum yandibana ne-bug ebalulekileyo kwinkqubo yayo ye-client. I-network yandibana ngenxa yokusebenza kwi-codebases ezininzi ezinxulumeneyo - Geth, Nethermind, Besu, Erigon kunye nabanye. Xa i-client enxulumene, i-operators zikhusela kwi-implementations ezahlukileyo. Akukho i-codebase eyodwa ingxulumene i-system epheleleyo. Oku kubonisa inkqubo eyenza i-industry yeebhizinisi yebhizinisi kufuneka Yintoni iinkampani ze-payment ziyafumaneka ukuyisebenzisa le lwezifundo Iinkqubo ezincinane Umthengisi we-payment service inokukwazi ukuyila iinkqubo ezinikezele ukuxhaswa kwe-vendor lock-in. Oku kunokufumaneka ngoku kunokuba ngexesha elide, kodwa kufuneka ukhetho lwe-architectural ekugqibeleni. I-Containerization kunye ne-Kubernetes – Ukwakha kwiiplatforms efana ne-Kubernetes inikezela ukuvelisa umsebenzi kwiinkonzo ezahlukeneyo ze-cloud providers. I-APIs ye-cloud-agnostic - Ukusetyenzisa izixhobo ezisebenzayo kwi-provider ngaphandle kokufaka ngqo kwi-AWS Lambda okanye i-Azure Functions. Oku kukuvumela ukuvelisa ikhowudi efanayo kwi-plattform ezininzi. I-Multi-cloud yi-design, ayikho i-retrofit – Ukongeza i-multi-cloud ngokufanelekileyo emva kokufaka kwi-provider eyodwa i-cost and impractical. Design for resilience during the initial architecture phase or planned technology refresh cycles. Ukuqhagamshelwano olusebenzayo – Ukuqhagamshelwano kwiinkonzo ezahlukeneyo ngexesha elifanelekileyo kunokuba yi-backup yobungcali. Oku kunceda ukuba utshintshe njalo iinkonzo zakho ze-failover kwimveliso. Yintoni kubalulekile ukuba i-cloud-agnostic architectures ziquka kakhulu ukuvelisa kunye nokuvelisa kunokuba i-single-vendor solutions. Kodwa i-cost of downtime during critical payment periods isibophelela lo mveliso. Long-Term: Rethinking network dependencies Nangona i-infrastructure yakho ye-resilient, iinkonzo ze-payment ngokwayo - i-SWIFT, i-Mastercard, i-Visa - ziyafumaneka iindawo ezininzi ze-failure. Kule nto i-infrastructure ye-blockchain kunye ne-stablecoins ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye zibe. Iinkonzo ze-blockchain ezisemthethweni afana ne-Ethereum zokusebenza ngeemigodi ze-validator ehlabathini lonke ngaphandle kwe-operator eyodwa. I-stablecoins kwiinkonzo zezi zibonisa i-payment rails ezisebenza ngaphandle kweenethiwekhi ze-card kunye ne-clearing houses ezivela kwi-24 / 7 / 365. Kwakhona, iintlawulo zebhanki kunye neentlawulo ze-card ziya kubalulekile kwaye ziya kuqhubeke ngexesha elide. Kodwa njengoko iinkampani zenza iintsuku ezininzi ze-tech refresh, kubalulekile kakhulu ukucacisa njani i-stablecoin rails ezihlawulweyo - ikakhulukazi njengoko iinkqubo ezifana ne-MiCA ye-EU kunye ne-stablecoin ze-UK zibonisa kakhulu. Umzila we-Pragmatic Iintlawulo ze-Oktobha ye-2025 ayikho yintloko - ngoko ke iinkampani ze-payment kufuneka bafumane? Intshato yintloko: unomdla kwi-"no failure", unomdla kwi-"continuity when failure occurs". Iinkampani zibonisa iinkqubo ze-tech roadmaps malunga nenkqubo yayo, ngaphandle kokufuna ixesha lokufutshane elungileyo, iya kubuyela iinkonzo xa ezinye akakwazi.
