Must read articles on systems architecture

• Youtube architecture http://highscalability.com/youtube-architecture

• PlentyOfFish architecture http://highscalability.com/plentyoffish-architecture     

• Scaling Twitter http://highscalability.com/scaling-twitter-making-twitter-10000-percent-faster
      
• Amazon architecture http://highscalability.com/amazon-architecture
      
• Google architecture http://highscalability.com/google-architecture
      
• Database sharding http://highscalability.com/blog/2009/8/6/an-unorthodox-approach-to-database-design-the-coming-of-the.html
      
• StackOverflow architecture http://highscalability.com/blog/2009/8/5/stack-overflow-architecture.html
      
• Flickr architecture http://highscalability.com/flickr-architecture
      
• Facebook http://highscalability.com/blog/category/facebook

source: https://www.quora.com/What-are-the-good-resources-to-learn-about-distributed-scalable-robust-software-architecture-infrastructure-building

Why fintechs will change the banking/credit card market

Last week I had my wallet stolen in a mall in a city near São Paulo. I had no money in there; just my driver's license and three credit/banking cards.

In the same day I started to get in touch to the banks in order to block the cards and request replacement.

Bank 1 - Debit and credit card from a international brand.
I need to call them. Spent about 20 minutes at the phone in order to pass the PID process an give a lot of information. They said to me that the card replacement was requested and that it will arrive in 7 days.
Status - 7 days passed and I did not received the card. Call them and they said that there was no register of card replacement request. I could spend some time complaining but I have no time for that. In fact, I am tired of that. So, asked for the replacement again.

Bank 2 - A famous international platinum card.
I accessed their web site, authenticated with my username/password and choose the chat option (easier for me; I am in the front of a computer almost all the time). The attendant was amazing and after around 5 mins I could finish the card replacement request. I would still need to wait for 5 days.
Status - 7 days passed. I called the contact center and the attendant said that they haven't send the card because they could not confirm my address (What??? I confirm that on the chat!!). Waited 20 minutes on the phone and they said that in 3 days the card will be here and I will need to call them back to release the card for transactions. Well, in 3 days I am leaving for a trip.

Nubank - A fintech (https://www.nubank.com.br/)
I accessed my Nubank mobile app, blocked the card with one touch and accessed the chat to ask for replacement. The first thing the attendant asked was If I was ok, if I had some injury resultant from the robbery. They automatically confirmed my identity from the app and asked me to confirm my address. They confirmed the replacement. In 1 day the app started to show the tracking code for the card flow through the mail service. I could see, day by day, where the card was. Yesterday I saw that it arrived to my town's post office and this morning it arrived home. I get into the app and clicked on "I receive my card". The app asked for the last 4 digits and for the CVV and its done, the card was available to be used.

Do I need to say more? Which card do you think I will use on my trip?