Architecting cloud-native financial systems: Key principles and patterns

Shenisetty, Nagesh (2025) Architecting cloud-native financial systems: Key principles and patterns. World Journal of Advanced Research and Reviews, 26 (1). pp. 3520-3526. ISSN 2581-9615

This article presents a comprehensive framework for architecting cloud-native financial systems, focusing on key principles and design patterns that enable financial institutions to build more resilient, scalable, and secure applications. As the industry undergoes a fundamental transformation from monolithic to distributed architectures, financial organizations face unique challenges in maintaining regulatory compliance while delivering innovative services at scale. The article examines four foundational architectural pillars: microservices decomposition with domain-driven design, secure API design with multi-layered protection strategies, event-driven architecture for real-time transaction processing, and cloud-specific considerations, including managed services selection and compliance requirements. Through practical implementation guidance and industry benchmarks, the article offers financial technologists a roadmap for modernizing legacy systems while addressing the specific demands of financial applications, including strict data consistency, auditability, security, and exceptional reliability.