Cloud for Fintech
Transform your fintech business with custom cloud solutions. We understand the unique challenges of the financial technology and banking sector and build solutions that address them.
Fintech Industry Challenges We Solve
We understand the unique demands of the financial technology and banking sector and build solutions that address them head-on. With a market size of $556B projected by 2030, thefintech sector demands technology partners who truly understand the industry.
Regulatory Compliance (PCI DSS, SOX, KYC/AML)
Financial software must navigate a complex web of regulations. PCI DSS governs payment card data, SOX requires financial controls, and KYC/AML regulations demand identity verification and transaction monitoring. Non-compliance can result in loss of banking partnerships and significant fines.
Real-Time Transaction Processing
Modern fintech platforms must process thousands of transactions per second with sub-millisecond latency. Users expect instant transfers, real-time balance updates, and immediate payment confirmations — any delay erodes trust and drives users to competitors.
Fraud Detection & Prevention
Financial fraud costs the industry $32 billion annually. Platforms need real-time transaction monitoring, ML-powered anomaly detection, device fingerprinting, and multi-factor authentication — all without creating friction that drives legitimate users away.
Multi-Currency & Cross-Border Payments
Global fintech products must handle currency conversion, international wire transfers, cross-border regulatory compliance, and varying payment methods across markets. Exchange rate management and settlement timing add complexity to every transaction.
How We Help Fintech Businesses
Our team brings deep fintech domain knowledge combined with technical excellence to deliver solutions that work in the real world — not just in demos.
PCI DSS Compliant Development
We build payment systems with end-to-end encryption, tokenization, secure key management, and network segmentation. Our code undergoes security reviews aligned with PCI DSS requirements to protect cardholder data at every layer.
Real-Time Payment Processing
We architect systems using event-driven microservices, message queues, and CQRS patterns that handle high-throughput transaction processing with the reliability and speed that financial services demand.
Advanced Security Architecture
Our fintech solutions include multi-factor authentication, biometric verification, real-time fraud scoring, device fingerprinting, and comprehensive audit trails that satisfy both regulators and security teams.
Scalable Financial Platforms
We build platforms that scale from startup to millions of users: horizontal scaling, database sharding, caching strategies, and CDN optimization ensure your platform grows without performance degradation.
Our Cloud Capabilities for Fintech
We bring deep cloud expertise to fintech projects:
Cloud Migration
Migrate from on-premise or legacy hosting to the cloud with zero downtime and minimal disruption.
Cloud-Native Development
Build applications that fully leverage cloud services — serverless, managed databases, and auto-scaling.
Multi-Cloud Strategy
Avoid vendor lock-in with architectures that work across AWS, GCP, and Azure.
Cloud Cost Optimization
Audit and optimize your cloud spend. Reserved instances, spot pricing, and right-sizing to cut costs by 30-50%.
Cloud Security
IAM policies, encryption, VPCs, and compliance frameworks to protect your cloud infrastructure.
Managed Cloud Services
24/7 monitoring, maintenance, and optimization of your cloud environment so you can focus on your product.
Technologies We Use
Fintech Cloud Use Cases
Here are some of the most common cloud projects we deliver for fintech businesses:
Digital banking apps with account management and mobile check deposit
Peer-to-peer payment platforms with instant settlement
Investment and robo-advisor platforms with portfolio management
Lending platforms with automated underwriting and credit scoring
Cryptocurrency exchange and wallet applications
Expense management and corporate card platforms
Fintech Compliance & Regulations
Fintech companies must comply with PCI DSS for payment data, SOX for financial reporting, KYC/AML for identity verification, GLBA for consumer financial privacy, and various state money transmitter licenses. International operations add GDPR, PSD2 (EU), and country-specific financial regulations.
Fintech Technology Trends in 2026
The global fintech market is projected to reach $556 billion by 2030. Key trends include embedded finance (BaaS), AI-driven credit scoring, decentralized finance (DeFi) integration, open banking APIs, buy-now-pay-later (BNPL) platforms, and real-time payment rails replacing legacy batch processing.
Staying ahead of these trends requires a technology partner who invests in continuous learning and experimentation. At ZTABS, our engineers regularly work with emerging technologies and can help you evaluate which trends are worth adopting now and which are better to watch.
Frequently Asked Questions
Common questions about cloud for fintech
The fintech industry has unique requirements including regulatory compliance (pci dss, sox, kyc/aml) and real-time transaction processing. Off-the-shelf solutions often can't address these specific needs. Custom cloud ensures your solution is tailored to fintech workflows and compliance requirements. The $556B projected by 2030 market size reflects the massive opportunity for companies that invest in purpose-built technology.
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