The evolution and future of software architecture
summary
Large banking monoliths rely on a small, fixed set of entry points — telephone operators, ATMs, tellers — a pattern called controlled access that handles limited concurrency; modern mobile and online channels create uncontrolled access that overwhelms those systems. The proposed fix is an evolutionary cauldron of architecture made from three concrete ingredients: agility (speed plus coordination), velocity (speed in a given direction), and modularity (independent, reconnectable parts); agility alone fails if direction and modular boundaries are missing.
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