CLOUD-NATIVE ARCHITECTURES IN FINANCIAL SERVICES: A COMPREHENSIVE ANALYSIS OF AI WORKLOAD SCALING AND FRAUD DETECTION

Authors

  • Srinivas Reddy Mosali Visa Technology and Operations LLC, USA Author

Keywords:

Cloud-Native Architecture, Financial Fraud Detection, AI Workload Scaling, Regulatory Compliance, Digital Banking Transformation

Abstract

This comprehensive article examines the transformative impact of cloud-native architectures in the financial services sector, particularly focusing on AI workload scaling and fraud detection capabilities. The article explores the evolution of cloud adoption in banking, analyzing various aspects including data integration architectures, AI model deployment strategies, and operational components. The article investigates how financial institutions have leveraged containerization, machine learning, and Kubernetes orchestration to enhance their security posture and operational efficiency. Through detailed analysis of real-time alert systems and compliance frameworks, the article demonstrates significant improvements in fraud detection, regulatory compliance, and overall business performance. The article highlights the crucial role of cloud-native approaches in modernizing financial services infrastructure while maintaining robust security controls and regulatory compliance.

References

Grand View Research, "Cloud Computing Market Size, Share & Trends Analysis Report By Service (Infrastructure As A Service, Platform As A Service), By Deployment, By Workload, By Enterprise Size, By End-use, By Region, And Segment Forecasts, 2024 - 2030," Granviewresearch.com. [Online]. Available: https://www.grandviewresearch.com/industry-analysis/cloud-computing-industry

Deloitte, "Cloud banking: More than just a CIO conversation," deloitte.com. [Online]. Available: https://www.deloitte.com/za/en/Industries/financial-services/perspectives/bank-2030-

financial-services-cloud.html

PWC, "Meeting tomorrow’s challenges, embracing risk intelligently PwC’s Global Economic Crime Survey 2024," Pwc.com. [Online]. Available:

https://www.pwc.com/gx/en/services/forensics/gecs/2024-global-economic-crime-survey.pdf

HCLTech, "Cloud Evolution for Financial Services Mandate to Modernize," hcltech.com. [Online]. Available: https://www.hcltech.com/sites/default/files/documents/resources/pdf-landing-page/files/2024/11/25/financial-services.pdf

PR Newswire, "Private and Public Cloud Market in Financial Services to Grow by USD 106.43 Billion from 2024-2028, Driven by Unlimited Storage and Big Data Demand, AI's Impact on Trends- Technavio," 2025. [Online]. Available: https://www.prnewswire.com/news-releases/private-and-public-cloud-market-in-financial-services-to-grow-by-usd-106-43-billion-from-2024-2028--driven-by-unlimited-storage-and-big-data-demand-ais-impact-on-trends--technavio-302366176.html

World Economic Forum, "Artificial Intelligence in Financial Services," 2025. [Online]. Available: https://reports.weforum.org/docs/WEF_Artificial_Intelligence_in_Financial_Services_2025.pdf

Shankar Ravichandran, "Real-time monitoring systems in financial institutions: Challenges and solutions," bctdigital.ai. [Online]. Available: https://www.bctdigital.ai/thought-leadership/real-time-monitoring-systems-in-financial-institutions-challenges-and-solutions/

Venkatarama Reddy Kommidi, et al., "Securing the Cloud: A Comprehensive Analysis of Data Protection and Regulatory Compliance in Rule-Based Eligibility System," 2024. [Online]. Available: https://www.researchgate.net/publication/388323684_Securing_the_Cloud_A_Comprehensive_Analysis_of_Data_Protection_and_Regulatory_Compliance_in_Rule-Based_Eligibility_System

Elena Christopher, "Financial services modernization initiatives are the heart of cloud transformation," 2024. [Online]. Available: https://www.hfsresearch.com/research/capgemini-bfsi-modernization-cloud/

Dhanalakshmi Arumugam Malar, et al., "Digital Transformation in Banking: Exploring Value Co-Creation in Online Banking Services in India," Journal of Global Information Technology Management 22(12):1-18, 2019. [Online]. Available: https://www.researchgate.net/publication/330972800_Digital_Transformation_in_Banking_Exploring_Value_Co-Creation_in_Online_Banking_Services_in_India

Sotatek, "IT is Growing in 2024-2026: New Technology-Oriented Forecast," 2024. [Online]. Available: https://www.sotatek.com/tech-trends-2024-2026-key-business-priorities/

Fotis Kitsios, et al., "Digital Transformation and Strategy in the Banking Sector: Evaluating the Acceptance Rate of E-Services," Journal of Open Innovation: Technology, Market, and Complexity, Volume 7, Issue 3, 204, 2021. Available: https://www.sciencedirect.com/science/article/pii/S2199853122009738

Published

2025-02-14

How to Cite

Srinivas Reddy Mosali. (2025). CLOUD-NATIVE ARCHITECTURES IN FINANCIAL SERVICES: A COMPREHENSIVE ANALYSIS OF AI WORKLOAD SCALING AND FRAUD DETECTION. INTERNATIONAL JOURNAL OF RESEARCH IN COMPUTER APPLICATIONS AND INFORMATION TECHNOLOGY (IJRCAIT), 8(1), 2598-2609. http://ijrcait.com/index.php/home/article/view/IJRCAIT_08_01_188