Hybrid Cloud Streaming and Modernising Payments at Lloyds Banking Group

Lloyds Banking Group is one of the UK’s largest financial service providers with 26 million customers and 16 unique brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows. Driven by our purpose to Help Britain Prosper, we are moving more of our data processing to near real-time to enable industry-leading digital applications, improve our customers' experiences, and achieve more streamlined, efficient solutions, increasingly based on an event-driven architecture approach backed by Apache Kafka.

In the first part of this presentation we will talk about our journey with Kafka since we began around 2015, up to the current day as we continue the roll out of our hybrid and multi-cloud streaming capability, enabling us to connect event producers and consumers across any of our private and public cloud environments. Kafka is now being used across dozens of streaming applications throughout the Group, supporting key capabilities such as improving service resilience by replicating critical data to separate data stores, and keeping digital banking app users informed about activity on their accounts using push notifications.

In the second part we will describe our New Payments Architecture (NPA) platform which went into production in November 2023, and explain how it uses event-driven processing to help to achieve more resilient, transparent and future-proof payments capabilities for our customers.