As a fintech company, the reliability of our products and services is critical to ensuring that Discover\u00ae Financial Services customers can access their money, credit, and accounts when they need to. Like many other companies, Discover has adopted a product-centric approach where the responsibility for reliability sits with the product teams.\n\nMy team at Discover Financial Services is responsible for digital payments. In order to create a culture where product teams own the reliability of their offerings, the Digital Payments team made seven instrumental changes:\n\nConclusionThese seven changes were critical in helping the Digital Payments team create a culture where each product team owned the reliability of their products. This has resulted in teams that feel more empowered to enable reliability and in products that are more secure and compliant.\n\nVisit Discover Technology to learn more about how Discover is adopting new processes to ensure reliability of its products.\n\nAuthor: \n\nRyan Kennedy is a Director of Engineering at Discover Financial Services with over 25 years of proven experience leading the development and operations of global cloud platforms. Ryan has a track record for building strong, autonomous engineering organizations and has most recently established a successful Site Reliability Engineering practice at Discover. Ryan spent much of his career working in the Internet of Things space where he has introduced a number of innovations and holds a patent in real-time evaluations of telematics and IoT machine data. Ryan graduated from the University of Illinois, Champaign-Urbana with a bachelor\u2019s degree in Computer Engineering.