> ...a financial company with a million customer target, probably didn’t need a cloud-based, micro services architecture. Only a million? There aren't hugely m

> ...a financial company with a million customer target, probably didn’t need a cloud-based, micro services architecture. Only a million? There aren't hugely many scenarios where cloud-based microservices would beat a monolith at that small scale. Where many such decisions bog down is in re-engineering existing processes into microservices, or cloud, or simultaneously both. If you're starting out brand-new in a white space, then yes, by all means dive into that if you also possess the operational expertise to run it (another area I see a lot of stumbling). Functionally lift and shift strategies into the cloud is still frequently decided upon by well-meaning C-levels even this late into the cloud era, and they are still unerringly shocked at the resultant bills. Those with massive legacy infrastructures get seduced by the promised 10X cost reductions, and overlook the fine print it will cost them 10-100X current total spend as capital spend to get there. The future is always unevenly distributed.