Resilient AI-Driven Platforms for Crisis-Responsive Health-Finance Systems in Vulnerable Communities: A Technical Review

Abstract

Extreme weather events, pandemics, and economic disruptions inflict serious damage on vulnerable communities by interrupting access to vital healthcare and financial services. Traditional enterprise systems including SAP ERP, Oracle Database clusters, and Salesforce CRM demonstrate critical architectural limitations during crisis events, with conventional load balancing technologies such as HAProxy and NGINX failing when primary data centers become inaccessible. The Resilient AI Enterprise Architecture (RAIEA) framework addresses these fundamental gaps through three key technological pillars implemented via comprehensive modern technology stacks: A) Edge Intelligence Integration utilizing Kubernetes-native orchestration through K3s and MicroK8s, with Docker and Podman providing containerized service isolation across AWS IoT Greengrass, Azure IoT Edge, and Google Cloud IoT Core managed edge computing platforms; B) AI-Based Predictive Load Distribution employing TensorFlow Lite and PyTorch Mobile for edge-optimized machine learning inference, with Apache Kafka and RabbitMQ enabling real-time data streaming between distributed nodes; and C) Context-Aware Service Reconfiguration integrating Istio and Linkerd service mesh technologies with Kong and Envoy Proxy API gateways for dynamic traffic routing based on real-time crisis conditions. Real-world deployments demonstrate significant performance enhancements: Philippines' RapidPro operates on Django/Python with PostgreSQL and Redis integration, Colombia's Plan Maestro utilizes Spring Boot/Java microservices with Apache Kafka event streaming, and the UN Digital Refugee ID Platform employs Node.js/Express.js with MongoDB and biometric SDKs including Neurotechnology VeriLook. The framework incorporates comprehensive ethical service delivery mechanisms through algorithmic fairness techniques, Prometheus and Grafana monitoring systems, and automated compliance monitoring via Apache Superset and RegTech platforms including Thomson Reuters Regulatory Intelligence. Policy alignment with international frameworks such as the Sendai Framework for Disaster Risk Reduction, supported by HashiCorp Vault cryptographic key management and Hyperledger Fabric blockchain audit trails, enables scalable adoption through Digital Crisis Regulation Zones and automated regulatory compliance systems.