Capital One offers online and other remote banking services to millions of customers, 24/7. The company also has a substantial commercial business, which requires both internal and external developers to utilize its services and systems. This must be done securely and within the boundaries of strict federal financial compliance laws. Years of banking consolidation also mean that Capital One has a diverse internal environment including new and legacy systems.
Vinayak Hulawale, master software engineer at Capital One, works in the department which is responsible for the company’s middleware services. He said that the internal infrastructure at Capital One was complex to manage and expensive to run.
Hulawale says that Capital One was using three different commercial API gateway products to manage different types of traffic. The company had one gateway for REST APIs, one for SOAP APIs, and one for externally accessed services. This meant that teams were constantly configuring specific gateways to keep up with an everૹchanging environment. Instead of making a change once, it had to be made three times every time.
Replacing these gateways was not a simple proposition, either, as the team would require a solution that could handle both SOAP and REST, and do so in a secure fashion at scale.
NGINX is capable of routing SOAP, REST, and secure external traffic in a reliable, scalable fashion. Hulawale and his teams found that a single group of NGINX servers can handle all of their API traffic routing needs, and do so without introducing latency into the equation.
Not only did NGINX handle the job of three other commercial products, it also performed far better, requiring fewer servers to handle the same amount of traffic. The transition was completed in December 2017, and since that time, Capital.com has been entirely hosted on NGINX.
The transition to NGINX was so successful at Capital One that the internal teams have now packaged their own internal platform for application development based on NGINX. This platform is designed to allow developers to base their designs on NGINX’s scalable load balancing and API routing capabilities, ensuring developers are building for web scale right from the start.
About Capital One
With over 49,300 employees, Capital One is one of the country’s largest banking institutions and credit companies. Its customers utilize credit vehicles ranging from credit cards, to auto loans, to home mortgages. The company also has a sizeable commercial credit business with over $66 billion in outstanding loans there as of 2017. In all, Capital One earns $27 billion in revenues per year. The company also sponsors the arena where the Washington Capitals play hockey, and the NCAA college football bowl formerly known as the Florida Citrus Bowl.