Architectural Audit of High-Load Fintech Systems: Assessment Methodologies, Common Vulnerabilities, and Refactoring Recommendations

This article examines the approach to architectural auditing of high-load FinTech systems, taking into account the specifics of their operation under increased load and compliance with regulatory standards. The main methods of architectural assessment are studied, including expert-based and metric-oriented approaches, as well as the application of hybrid strategies that combine quantitative analysis with simulation testing. A range of typical architectural vulnerabilities is explored, such as excessive component coupling, lack of isolation for critical services, insufficient scalability readiness, and inadequate protection against failures and attacks. Recommendations for architectural refactoring are provided, aimed at enhancing system resilience and security in the long term. JEL: G21, L86, C80