About
I explore how to build intelligent, secure, and reliable software systems.
Two decades in engineering taught me this: trust isn’t a feature – it’s an architecture.
Here I share practical patterns and principles for systems that must work every time.
~ Mohan Sankaran
Recent insights into modern tech development
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Agentic Transactions: Context-Aware AI for Adaptive Payments
~ Mohan Sankaran. From rules to reasoning Risk engines used to feel like spreadsheets with electricity: if-this-then-that, a forest of thresholds, and a few models glued on at the end. Useful, but brittle. Agentic…
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Applying PCI DSS v4.0 & OWASP MASVS in Modern Mobile Architecture
~ Mohan Sankaran. From checklists to pipelines Security used to mean spreadsheets: controls in one column, “evidence” in another, and a promise to circle back before audit. That rhythm doesn’t survive modern release cadence.…
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Bridging IoT and Payments: Architecting Trust Across Connected Devices
~ Mohan Sankaran. From pairing to proof Connecting a payment app to a nearby device should feel like magic: open the app, power the reader, and they find each other. Underneath that moment is…
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Implementing Secure Tap-to-Pay on Android: Lessons in Tokenized NFC Integration
~ Mohan Sankaran. From card emulation to confidence Turning a phone into a contactless card feels simple-tap, beep, done-but the real work is invisible. Secure tap-to-pay on Android sits at the intersection of NFC,…
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Federated Learning for Financial Risk Models
~ Mohan Sankaran. From central data to local insight Risk models have always wanted more data and less delay. The trouble is, the most predictive signals live on devices-how people type, move, and interact-and…
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Resilience Under Pressure: Engineering for Global Digital Surge
~ Mohan Sankaran. From steady state to surge Some systems grow predictably; others get stress-tested overnight. When the world moved online at once, traffic patterns stopped looking like gentle hills and started looking like…
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Deploying On-Device ML for Real-Time Fraud Detection
~ Mohan Sankaran. From cloud scores to pocket decisions Fraud detection used to live far away from the moment of truth. A device captured a few signals, shipped them to a server, and waited…
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From App to Platform: The Future of Digital Merchant Experiences
~ Mohan Sankaran. From point solutions to platform thinking Most merchant apps began life as helpful tools: take a payment, send an invoice, track a sale. Useful, but narrow. As merchants grew, they stitched…
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Microservices and GraphQL in Mobile Financial Platforms
~ Mohan Sankaran. From monolith to platform Every successful payments app starts life as a tidy monolith: one repo, one deploy, everything close to everything else. Then growth happens. New markets, new instruments, new…