• Hemish PrakashChandra Kapadia

A fundamental need for highly scalable, resilient, and secure web infrastructures has arisen as banking services have evolved into always-on, digitally connected platforms. The argument between implementing cloud-native infrastructure and sticking with conventional on-premises installations is becoming more urgent as financial institutions deal with growing consumer demands, regulatory scrutiny, and the need for real-time data processing. The two designs are compared in this study with an emphasis on operational effectiveness, performance scalability, and adaptability to new financial technology. In addition to the security and compliance advantages that on-premises systems have historically provided, the suggested evaluation emphasizes the strategic advantages of cloud platforms, such as infrastructure abstraction, microservices orchestration, and elastic scalability. This article also examines hybrid deployment approaches, cloud migration frameworks, and decision-centric architectural patterns that are specific to banking settings. The results highlight how cloud-native solutions are increasingly supporting high-volume transaction systems, real-time fraud analytics, and AI-powered client engagement, all of which are in line with banking modernization objectives. Although using the cloud presents difficulties with regard to data sovereignty, latency sensitivity, and migration complexity, the flexibility and creative potential it offers are turning out to be crucial for gaining a competitive edge. In order to balance innovation, control, and compliance across a range of workload demands, this article attempts to assist decision-makers in designing scalable banking applications.

Scalable Web Architecture, Cloud-Native Computing, On-Premises Infrastructure, Hybrid Cloud, Banking Applications, Microservices, Infrastructure-as-Code, Compliance, Elastic Scalability, Deployment Strategy

"Scalable Web Architectures for Banking: Cloud vs. On-Premises", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 3, page no.j534-j539, March-2025, Available :http://www.jetir.org/papers/JETIR2503966.pdf

"Scalable Web Architectures for Banking: Cloud vs. On-Premises", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 3, page no. ppj534-j539, March-2025, Available at : http://www.jetir.org/papers/JETIR2503966.pdf