Infrastructure as a Service (IaaS) is the correct choice for MaplePay.

Infrastructure as a Service (IaaS) gives the startup control of virtual machines, storage, networking and the operating system so the firm can implement fine grained encryption, access controls, logging and data residency policies that are critical for customer financial records. The cloud provider remains responsible for the physical datacenter, the hardware and the virtualization layer, which keeps the provider operations minimal while preserving customer control.

With IaaS MaplePay can scale compute and storage independently and choose specialized VM types, custom images and security tooling. That flexibility and customization capability make it a better fit for an emerging payments platform than more managed service models.

Platform as a Service (PaaS) is incorrect because it abstracts the operating system and runtime and therefore reduces the ability to perform low level configuration and host level security controls that a payments firm may require.

Anthos is incorrect because it is a Google Cloud hybrid management platform for running and managing containers across environments and not a fundamental cloud service model. It operates on top of IaaS or managed Kubernetes and does not by itself define the level of infrastructure control needed for this requirement.

Software as a Service (SaaS) is incorrect because the provider manages the application and the underlying data stores, which gives the least control over customer records and limits deep customization and host level security configurations.

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