Zero Trust Architectures in FinTech: A Web-First Approach to Secure Cloud Systems

Monagari, Vamshikrishna (2025) Zero Trust Architectures in FinTech: A Web-First Approach to Secure Cloud Systems. World Journal of Advanced Engineering Technology and Sciences, 15 (3). pp. 1562-1579. ISSN 2582-8266

The evolution from traditional perimeter-based security models to Zero Trust architectures represents a fundamental paradigm shift in financial services cybersecurity, driven by the obsolescence of castle-and-moat defensive strategies in distributed cloud environments and the increasing sophistication of modern cyber threats. Zero Trust implementation in financial technology environments requires comprehensive integration of identity-aware proxies, hardware-based device attestation, and just-in-time access controls that continuously verify every access request regardless of network location or previous authentication status. Authentication and authorization mechanisms leverage OAuth protocols, JWT token management, and context-based multi-factor authentication systems that incorporate machine learning algorithms for behavioral analysis and adaptive risk assessment. Cloud-native implementation strategies encompass microservices architectures with mutual TLS authentication, comprehensive session management with time-bounded tokens, and sophisticated monitoring systems integrating security information and event management platforms for real-time threat detection and incident response. Performance optimization through intelligent caching strategies, load balancing mechanisms, and strategic service placement ensures responsive user experiences while maintaining stringent security controls required in financial services environments. The transformation to Zero Trust architectures delivers quantifiable benefits including reduced security incident frequency, enhanced regulatory compliance efficiency, and improved customer trust metrics, while emerging technologies such as password less authentication and quantum-resistant cryptography shape future security implementations in financial technology ecosystems.