Zero-trust security models in financial planning systems

Koritala, Surendra N (2025) Zero-trust security models in financial planning systems. World Journal of Advanced Research and Reviews, 25 (3). pp. 2161-2171. ISSN 2581-9615

The current research paper assesses the financial and operational impacts of enforcing zero-trust security models in financial planning systems. As the risk of cyberattacks intensifies and the regulations become unexpectedly complicated, these groups are in a desperate search for a comprehensive security system. As such, the zero trust security model, which focuses on real-time security monitoring, the enforcement of continuous identity validation, and the concept of least privilege, is gradually becoming considered as a relevant strategy for addressing such risks. In assessing organisational outcomes, the research uses both secondary research information and financial analysis to assess cost-savings and return on investment (ROI) across five years for the various zero-trust models. The findings show that although the initial costs of implementing zero-trust systems are high, the returns on investment are high too because of low breach costs and non-incurrence of compliance penalties. Cumulatively organizations experience positive ROI by Year 3 and have exponential financial growth by Year 5. The work also provides a comparison between the zero-trust and more conventional approaches to security as well as the benefits of adopting the new concept that helps minimize system risks and continuously meet regulatory requirements. Budgetary forecasts and graphical overlays complement the argument that zero-trust security architectures are more cost-effective and effective in the long run. In sum, this paper recommends a zero-trust security model approach as a cost-effective investment that fortifies security as well as compliance while fostering the longevity of an organization’s existence and financial profitability. With the growing threat being leveled against organisations in general, and financial institutions in particular, it is imperative that these institutions embrace the zero trust model as the best way to enhance the security and availability of their data.