we know nothing about what this system is doing. Being finance there could be a lot of out of band requirements that mean SOA/microservice architecture is the correct paradigm, and that the number of services is the least they need right now.

But without actually knowing what the system is doing and what it's constraints are, there is no blanked too-many, not-enough, they're-doing-it-wrong.

Maybe when my Japanese gets better (I'm learning!) and I've been here a bit longer (don't want to seem a job-hopper, specially in Japan).