Hey all! I'm part of a small team that's developing a mobile app for home financing, aiming to give users the ability to create profiles, go through a credit evaluation with third-party tools, and manage parts of their financing securely and in compliance with regulations. We're currently at a crossroads regarding our backend and authentication setup and could really use some advice from anyone who has experience in this area.
We're focusing on a few key points:
- Keeping costs low during the MVP phase.
- Reducing our data responsibility since we prefer not to handle sensitive personal data directly due to GDPR concerns.
- Ensuring we have a secure and scalable architecture.
- Finding something that suits our mostly .NET/C# development team.
We've been evaluating AWS (Cognito + API Gateway + Lambda + DynamoDB) vs. Azure (Entra ID B2C + Azure Functions + CosmosDB) with the following highlights:
1. AWS seems cheaper and easier to scale with zero server maintenance, plus .NET 8 integrates well with Lambda.
2. Azure offers robust security and compliance which might benefit us if we need to interconnect with Microsoft services later, but it seems to have a complex setup process and could lead to higher costs quicker.
I'm currently leaning towards AWS for its cost-effectiveness and simplicity, but I'd love to hear from anyone who's built similar fintech apps or dealt with user authentication and third-party integrations securely. Have you faced any challenges or surprises with either platform? Would you stick with your choice or do something different if given another chance? Any real-world insights would be super helpful. Thanks!
4 Answers
Definitely AWS is the way to go. Azure Functions and CosmosDB have some major flaws; B2C is quite problematic and has been deprecated. They’re pushing a new option called Entra External Id, but I wouldn’t trust that based on past experiences. Also, be cautious with CosmosDB's partition key design, it can cost a lot if you hit the limits.
Hey, if you’re leaning towards AWS we can assist in figuring out the best infrastructure setup. Just let us know what you need and we’d be happy to help you out!
I'd recommend going with AWS. It’s way more developer-friendly, and the ecosystem is massive. Plus, there have been some serious security issues with Entra recently, which makes AWS a safer bet right now.
The choice between AWS and Azure is pretty tough. I’ve built fintech apps on both and know they each have their strengths and weaknesses. It’s a one-way commitment though; switching later can be pricey. I’d suggest talking to experts to help guide your decision and make sure it aligns with your team’s skills.

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