If you don't know how to design schemas (extensible, modular, ..) and don't know how to design coherent APIs around that, then yes, go Microservices to mitigate the risk. The risk here being the likely chance that you got the schema wrong and end up hacking around it in your "monolith" [almost always sic].
If you don't know how to design schemas (extensible, modular, ..) and don't know how to design coherent APIs around that, then yes, go Microservices to mitigate the risk. The risk here being the likely chance that you got the schema wrong and end up hacking around it in your "monolith" [almost always sic].