The traditional financial systems of many banks are built on outdated relational databases that struggle to handle the demands of modern digital payments, such as instantaneous and cashless transactions. These systems are ill-equipped to provide scalability, performance, and real-time customer experiences due to their complex tabular structure, which requires frequent reorganization and can lead to data management issues. A document database model offers a more flexible and efficient alternative by eliminating the need for intricate tables and allowing for easy modification of fields without disrupting migrations. This allows for intuitive development work, scalability, resiliency, locality, and workload isolation, making it an ideal solution for modern payment systems.