MTF Finance is a name familiar to many Kiwis who have borrowed money to buy a car. The 50-year-old lender built its reputation in the motor trade, providing car dealerships with a ready-to-go finance offering. More recently the company has established a national network of 47 franchised operators and introduced unsecured personal finance.
But past success does not guarantee future prosperity. So, MTF Finance has launched a programme of work to develop new finance products and buying experiences for the next generation of digital-savvy customers.
This unfolding chapter put cloud front and centre.
Establish an Azure Landing Zone to support MTF Finance’s cloud migration and application development
Gauge the readiness of MTF Finance’s 130-plus applications for Azure
Leaven’s Cloud Readiness Assessment framework
Setting its sights on Microsoft Azure, MTF Finance engaged Leaven, the cloud transformation business unit of CCL, to establish a landing zone for a quick start on migration. Operating a security-hardened, policy-enforced Azure platform from the start ensured MTF Finance would avoid the pitfalls resulting from poor foundations.
Work established platform ‘guardrails’ to keep landing zone administrators and developers on track and compliant, covering operating standards, governance controls, shared platform network infrastructure, security and monitoring services, and automation to support the lender’s cloud journey.
“It’s easy to pitch applications to the cloud, but there are different ways to do the same things. There’s a right way and a way that can lead to some very big bills,” says Ashley Ross, MTF Finance CIO.
With Azure foundations in place, MTF Finance sought to gauge the readiness of its 130-plus applications for migration to Azure. While understanding how to get their applications up and running on Azure, the lender required a clear view of so-called ‘day-two’ practices – periphery tasks such as audits, compliance, financial reporting, and monitoring necessary to sustain cloud services and applications.
These mandatory but not necessarily value-added hygiene factors often have a greater bearing on cloud economics and the overall success of adoption.
MTF Finance was in a strong position to make its move to Azure. The lender’s core lending application, Sovereign, ran on a dedicated IBM hardware and software stack, and supporting infrastructure was largely virtualised on VMware, with most servers running on the Microsoft Windows Server operating system.
But questions remained concerning MTF Finance’s future IT architecture and data management, and the broader implications for the lender’s growing footprints in Azure.
"Leaven knows their stuff. It’s easy to pitch applications to the cloud, but there are different ways to do the same things. There’s a right way and a way that leads to some very big bills."
- Ashley Ross, CIO, MTF Finance.
Leaven’s Cloud Readiness Assessment brings an expert eye to IT estates, helping organisations gauge their current cloud readiness, understand what a cloud adoption programme of work could look like, and identify critical next steps for successful cloud adoption.
Starting with a discovery process to verify the ‘real world’ workload and performance of MTF Finance servers, Leaven also drew on configuration and application data to build a picture of the organisation’s IT estate.
Interviews with key IT stakeholders provided additional context related to MTF Finance business priorities, internal processes, vendor relationships, and roadmaps.
The assessment identified key opportunities and constraints MTF Finance was likely to face on their migration to Azure, with a set of recommendations charting the best way forward.
More specifically, the assessment examined MTF Finance’s 130-plus applications, classifying each on an R-scale denoting cloud readiness:
Designing a landing zone so that it can be readily extended to support new services and applications is critical to the success of cloud transformation projects.
Taking this step ensured MTF Finance was in a strong position to use containers, DevOps, and automated application deployment as they move to re-platform applications.
MTF Finance’s experimentation with containerised applications demonstrated their potential for accelerated development cycles, highlighting the value of a container-based platform using the Azure Kubernetes Service (AKS).
The service presented multiple potential benefits, allowing MTF Finance to isolate services and their dependencies within containers; make better use of compute resources compared to a single host per service model; use image-based version control without the burden of OS image control for applications – significantly reducing effort required to ‘feed and water’ servers; and gain platform independence (containers can be deployed to any standard Kubernetes environment).
Leaven’s assessment also recommended a data architecture to support continuous data processing and replication. Large volumes of data tend to create natural performance bottlenecks during transfer and processing. Cloud-native architectures address these constraints with continuous stream processing models and APIs for data exchange, which further encourage developers to move business logic from data stores to middleware or microservices.