Mission-Critical Payment Platform Modernization for Scale and Reliability
Kem | Fintech
Swift
ASP.NET Core
MS SQL
Kem
Kem is a payment platform focused on operating critical financial transactions with high levels of security, availability, and regulatory compliance. Its system is at the heart of its clients' operations, supporting transaction processing, business rules, partner integrations, and risk controls that directly impact revenue, operational continuity, and adherence to financial market requirements.
Because it acts as essential infrastructure, Kem requires technological solutions designed for scale, resilience, and precision, where any evolution must preserve stability and reliability. In this context, the platform positions itself as a strategic enabler of the business, allowing for sustainable growth, integration with new ecosystems, and continuous adaptation to a constantly changing regulatory and competitive environment.
Specialties
Project Management Officer
Tech Lead
UI/UX Designer
Front End Developer
Back End Developer
DevOps
Data Scientist
QA
Challenge
VX's challenge in creating a system for Kem was to develop a platform—including an application—capable of evolving a mission-critical payments environment without compromising availability, security, or regulatory compliance, while also supporting high transactional volume, complex integrations, and sensitive business rules, requiring a rigorous balance between innovation, operational stability, and risk management.
Smart Solution
The solution developed by VX for Kem was conceived as a unified, scalable, and resilient platform capable of supporting critical payment operations without compromising security or compliance. The system reorganizes the transactional core, integrates business rules and risk controls into a modern and auditable architecture, and incorporates an application that enhances usability and operational access, maintaining consistency across channels and processes.
From a business perspective, the solution allows Kem to grow predictably, accelerate integrations with partners, and evolve products without exposing operations to unnecessary risks. By reducing technical complexity, automating key workflows, and ensuring high availability, VX has created a solid technological foundation that protects current operations while enabling continuous innovation in a demanding regulatory environment.
Our Approach
Our approach to Kem stems from a simple and non-negotiable principle: in mission-critical systems, understanding the business comes before changing the technology. VX focuses on reducing risk before accelerating delivery, balancing operational continuity, regulatory compliance, and architectural evolution. Every technical decision is guided by its impact on revenue, stability, and scalability—no heroics, no big bang.
Operational and Risk Diagnosis
Mapping the core transactional processes, business rules, integrations, SLAs, and points of weakness that cannot fail.
Requirements Gathering and Critical Workflows
Detailed breakdown of journeys, exceptions, risk controls, and app requirements, aligning business, operations, and technology.
Evolutionary Architectural Design
Defining a modern, resilient, and auditable architecture, prepared for incremental growth without disrupting the core.
Incremental Development (Core + App)
Layered and domain-based implementation, with progressive deliveries, secure integrations, and a focus on high availability.
Testing, Validation and Hardening
Functional, transactional, load, and safety testing, ensuring regulatory compliance and stability in production.
Scale, Monitoring and Continuous Evolution
Monitoring operations, fine-tuning, performance optimization, and preparing the foundation for new products and partners.
