The 12 factor app guidelines have become an important baseline for horizontally scalable & robust microservices. They can also be used as baseline for microservices in digital lending platform or loan management system (LMS) or loan origination system or a payment gateway. These guidelines are particularly important for a financial software solution because you cannot afford to miss payments as a result of fragile technology, these guidelines also help to be more agile and quick in quality releases of new features and bug fixes.
Following I am giving a snapshot of the guidelines and a link to potential microservices in a payment gateway and the 12 factor guidelines
https://www.onlinepaymentsindia.com/2020/06/potential-micro-services-in-payment.html
