This article examines the transformative impact of three key technologies—virtualization, cloud computing, and replication—on modern payment systems. As financial transactions increasingly migrate to digital channels, payment service providers face mounting challenges related to security vulnerabilities, scalability limitations, and reliability concerns. The article explores how these three technological paradigms are being integrated to create robust payment infrastructures capable of meeting contemporary demands. Through analysis of implementation strategies and case studies from industry leaders, the article identifies architectural frameworks and best practices for technology adoption. The article demonstrates that a strategic combination of these technologies enables payment systems to achieve enhanced security through isolation mechanisms, improved scalability through dynamic resource allocation, and superior reliability through distributed processing. This article contributes to the understanding of payment infrastructure evolution and provides a roadmap for payment service providers navigating digital transformation.
Keywords: Cloud Computing, Payment infrastructure, financial technology, replication strategies, virtualization
