We help payments and financial services, B2B software and commerce technology companies fix cloud architecture, cost, data and AI problems that are too important to guess at. Every engagement has a fixed scope and a price agreed up front, and the architect who scopes it stays hands-on through implementation.
Pick the situation closest to yours and we'll show you the engagement that fits.
of data-management leaders say they lack, or are unsure they have, the data practices AI needs. Gartner expects 60% of AI projects to be abandoned through 2026 for that reason.
The model is rarely the hard part. Ownership and definitions are.
Gartner, survey of 1,203 data-management leaders, Feb 2025
of organizations name cloud-spend management as their top cloud challenge, with budgets already running 17% over plan.
The fix is usually in the architecture, not in another discount.
Flexera State of the Cloud, Mar 2025
Incidents, scaling limits and manual deployments add up. DORA's 2025 research found that AI amplifies both the strengths and the weaknesses of a delivery system.
Fix the delivery system before adding AI coding tools, or they speed up the problems too.
Google Cloud DORA, State of AI-assisted Software Development 2025
What's usually missing: evaluation, access control, monitoring, cost limits and a person approving the actions that matter.
Build these in from the first sprint. Adding them later costs more than the prototype did.
Aligned with NIST AI RMF and the AWS Well-Architected framework
Payment systems emit authorizations, captures, refunds and settlement files. Ingestion makes them durable, ordered and replayable, so any day can be rebuilt.
A governed lakehouse with data contracts, quality tests and lineage, so finance, risk and operations work from the same numbers.
Analytics for reconciliation and unit cost. AI that explains exceptions from approved procedures, with every answer traceable to its sources.
High-risk actions wait for a person. FinOps and resilience keep cost per transaction and recovery objectives visible to their owners.
| What you need | Independent contractor | Large integrator | Ribau |
|---|---|---|---|
| Who does the work | One senior person | Senior lead, delivery pyramid below | The architect who scoped it, hands-on through delivery, with specialists as needed |
| Scope and price | Usually hourly | Programs, statements of work, change orders | Fixed scope and price, agreed before work starts |
| Architecture, data and AI together | Depends on the individual | Separate practices, handoffs between them | One lead across all three |
| Continuity and accountability | Key-person risk | Institutional | Company contract, documented method, defined acceptance |
| Best fit | Extra hands on a known task | Enterprise-wide transformation, 24×7 operations | A focused, high-stakes problem |
Payments and financial services, B2B software, and retail and commerce technology. We have the most depth in payments today.
Payments & financial services
Processors, payment-technology vendors, fintechs and financial-software companies. We know settlement and reconciliation, transaction analytics, bank-partner risk reviews and the controls auditors ask about.
Architecture debt, AWS cost per customer, reliability for enterprise buyers and AI features that need to reach production.
Explore B2B software → Retail & commerce technologySelective, problem-led work on peak readiness, commerce data, analytics and checkout reliability.
Explore retail & commerce →A 12-week peak readiness plan for commerce platforms on AWS: forecast, order-path limits, load tests, capacity reservations, graceful degradation and event runbooks.
SaaS · Field guideHow SaaS companies measure AWS cost per customer in pooled, siloed and mixed tenancy models, and the architectural reasons it drifts upward.
FinOps · Field guideA practical method for payments companies to measure AWS cost per transaction, allocate shared costs and find the architectural reasons unit cost drifts upward.
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Cloud cost, data and AI for payments, software and commerce teams, from real delivery work. One email on the first Tuesday of each month. Unsubscribe at any time.
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