Regulatory convergence in financial cloud computing: A framework for compliance in the digital Banking Era

Penugonda, Venkata Surya Hanuma Sivakrishna (2025) Regulatory convergence in financial cloud computing: A framework for compliance in the digital Banking Era. World Journal of Advanced Engineering Technology and Sciences, 15 (2). pp. 445-453. ISSN 2582-8266

This article explores how financial institutions can achieve regulatory compliance when adopting cloud technologies. It introduces a structured framework integrating encryption, IAM, audit logging, and real-world cloud provider capabilities. Case studies and future technology trends offer actionable insights for compliance officers and technologists navigating the evolving digital banking ecosystem. Executive Summary Problem: Financial institutions face a complex and fragmented regulatory landscape when migrating to cloud services, creating challenges in governance, data protection, and compliance verification. Solution: This article presents a comprehensive cloud compliance framework that integrates technical architecture, organizational governance, and provider-specific capabilities. Key Takeaways Early integration of compliance requirements into cloud architecture design significantly reduces implementation complexity Cross-provider governance models enable consistent controls across multi-cloud environments Emerging technologies like AI-assisted monitoring and confidential computing will transform compliance approaches Success depends on continuous assessment rather than point-in-time evaluations