Evaluating Middleware Performance in the Transition from Monolithic to Microservices Architecture for Banking Applications
Rizza Fauziah, Nico Surantha · Electronics · 2026
The swift development of digital financial services has increased transaction volumes and heightened system performance requirements. Cardless cash deposit transactions at PT Bank XYZ have significantly increased since 2022. This growth necessitates an evaluation and improvement of the existing system architecture. This study proposes a microservices-based architecture deployed in a middleware environment to enhance performance, scalability, and availability. Key enhancements include asynchronous service processing, dual-layer authentication, and data caching using the Terracotta Server Array. The evaluation uses metrics such as CPU usage, RAM usage, latency, throughput, error rate, success rate, and recovery time. Both the monolithic and microservice architectures were assessed through stress testing. Tools used include Red Hat OpenShift Dashboard, NMon Visualizer, and Apache JMeter. Results indicate that the microservices architecture outperforms the monolithic architecture by delivering better resource efficiency, lower latency, higher throughput, and faster recovery times. Moreover, implementing dual-layer authentication enhances security without significantly increasing system complexity. The findings confirm the long-term viability of the microservices architecture for high-demand financial applications.