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

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