Hi. Hi hi. Good morning everyone. My name is currently I'm working as a tech lead at fifth Third Bank. Based on my experience today, I'm going to talk about the architecting, secure, and scalable integration for transfer FinTech. Based on my experience, I'm going to talk it, I have around 17 years experience as a Java backend developer with the cloud and various database. So in, in this today agenda is the FinTech integration challenge, current integration landscape security compliance framework. Advanced data protection, scalability, architecture patterns, balancing act, security complaints, performance implementation roadmap, and key takeaways. So basically in the FinTech integration challenge, understanding the unique demands and evolving requirements for integration. For example, while developing microservice development, communication between two microservices, sometimes the communication is a synchronous or a synchronous communication. It is a big challenge and the current integration landscape, exploring the existing ecosystem, key trends and modern FinTech, for example the legacy application was developed in any other technologies, but the modern applications were using. Developing latest technologies and also deploying to cloud is also one of the integration challenge security complaints frameworks, implementing robust identity access control, AP security images, and advanced data protection statuses for encryption, tokenization, data masking to safeguard system information, for example while while trans while doing transforming, any payment transaction, for example, we want to mask, we don't, we want to encrypt the account numbers, send that account number and receive your account number. So in that case, we can, we are going to implement encryption, tokenization and masking the data in the while printing logs in the server. And scalability architecture patterns. Designing the high ment systems with synchronous processing service misses, event driven approaches. Example, if you wanna increase the scalability based on the application, we have to. Increase the scalable the component size will be increased. Then only we can balancing act security complaints, performance achieving optimal integration solutions that meet all integration challenge. Provide co to multi-agency support for diverse financial products. Ensure data integrity, consistency. Across distributor system seamlessly integrate legacy core banking system with modern microservices architectures process high volume financial transactions. With the robust security measures dynamically scaled to efficiency, manage peak transaction volumes, facilitate rapid innovation and feature delivery while getting risk guarantee complaints with dynamic regulatory frameworks, for example. PSG two G-D-P-R-C-C-P current integration landscape. Traditional challenges, modern requirements, the imperative for robust integration platforms in the traditional challenges, high operation costs, drain budgets for innovation, 0.2 point integration hinder maintenance and scalability. Monolithic middle layer slows developments and market response. Outdated perimeter security leaves internal services while. In modern requirements, zero. Trust, security, authenticates and authors. Every request embedded complaints supports dynamic regulators actions with automated ing real time fraud detection integrates a ML for immediate response. Elastic scaling leverages clouding autoscaling for volume. A PA first approach enables seamless third party and open banking integration. The imperative for the robust integration platform, a robust FinTech integration platform must enforce security monitor confluence and optimize it needs to protect data, ensure regulatory adherence, and maintain low latency for critical transactions, all while fostering innovation. Distributed identity access control 2.0 open. Id connect JWT JS and implementation considerations while while using WA 2.0 and authorization frameworks, grants third party applications. Limited access to services without. User cred by using Springboard. I implemented WA two Pan zero Open iConnect and authentication layer built on WA two zero enabling client to verify user identity through essential profile information. JW Jason, A compact, self-contained middle first security, transforming information in between parties as Jason object. Implementation considerations are establ. Key rotation schedules and secure key management practices and optimizing broken lifetime for balance between security and usability. Implementing scope based authorization for. Granular access control, ensuring a financial grade a PA complaints for enhancer protection, integrating multifactor authentication. These frameworks facilitate a zero trust model ensuring every service to service call is authenticated and authorized, irrespective of network. Applic. A PA gateway Security controls, essential security functions rate limiting secure breakers, request validation, web application firewall authentication. Authorization enforcement, TLS termination gate limiting control request is to prevent dust attacks, ensure fair resource distribution and protecting services from overload. For example, while implementing rest, we can implement this rate limit. Secure breaker prevents cascading failures by quickly failing request to unhealthy services, maintaining system stability during high load request validation. For example, in the restful services. While sending payload, we have to validate the request violation, which are which fields are mandated, fields, which will list our option values in the re violation. We can implement those validation for all the fields. So validated to block mal form request and injection attacks. Ation secure communication and offloads encryption, centralizing certificate management, and optimizing performance authentication authorization, validates identity tokens and applies granular access policies. Ensuring only authorized access to APAs by using this only authorized. Third parties only can access our services by using this authentication authorization, even if it is a internal application. Also, we can implement authentication authorization web application firewall integration provides defense against common vulnerabilities, OWS AP by detecting and blocking threats. So by using a web application firewall, we can project the application if we can secure the end plan. So data production methods, data production, we can I implement by using encryption tokenization, data masking encryption, utilizes AEs 2 5 6 for data rest with HSM backend key enablement, TLS 1.3 for data transit. Implement forward secrecy to protect data with. Non tokens that retain operational utility without inherent value. This is crucial for handling primary account numbers. For example, we can organize SSN account numbers, user id, those things we can, by using tokenization we can implement data masking, employee dynamic masking for non-production environments. Enabling realistic testing with anonymized data. Applied techniques like format, preserves, encryption, red reduction for the highly fields. So in this access control, for example, code data production, encryption to tokenization and data masking, pro protective perimeter network security monitoring and TLS. Asynchronous processing architecture. In the asynchronous flow, we can implement a P gateway, mobile pay, mobile Q energy violation, service analytics engine, and transfer and notification service. So in the the benefits for financial transaction for asynchronous decouples transaction, ancy from. Processing. Improving responsiveness enables batch processing for efficiency when appropriate. Facilities, retries and ator cues for resilience allows back present mechanisms to handle drop traffic spikes supports com compensation transactions for all. Failure scenarios, implementation. Note financial transactions require guaranteed delivery and exactly once processing, choose message brokers with a strong durability, guarantees and item consumers. Service Miss architecture. So by you in the service Miss, we can see observability security, traffic management policy informers a service Miss provides an infrastructure layer for handling service to service communication offering. Critical capabilities for FinTech platforms. For example, observed offers comprehensive metrics, logs, and traces essential for regulatory audit trails and in-depth performance analysis. Traffic management enables sophisticated routing, load balancing, and fault tolerance without requiring application level change changes. Security facilitates. Mutual DL authentication and streamline certificate management at the platform level. Policy enforcements ensures consistent access control and rate limiting access. All services within the mesh, even driven architecture. Even driven architectures are ideally suit for financial transaction flows where every state change represents a critical business event. For example, saga pattern coordinates, distributed transaction across multiple services, even sourcing store state changes as a immutable sequence of events. QRS separates read for. Optimizing performance, even streaming enables real time processing for immediate fraud detection. This approach enables highly responsive systems that can scale orally while maintaining a complete audit trail for regulatory complaints. Balance in security, compliance and performance. Striking the right balance among security complaints and performance is a paramount for FinTech platforms. Either chart to demonstrate a hybrid approach. Combining event driven architectures with is service. Miss offers the most effective strategy to achieve robust security, comprehensive complaints, and exceptional performance. So the balance security, we have the traditional monolithic basic microservices, a P gateway service mesh, event driven mesh. So the key elements for balance, proactive complaints, head security optimization, performance, observability, and traceability. Implementation roadmap. The phase one implement API gateway with W2 YDC authentication. Establish secure CACD pipelines with automated security. Deploy basic observability stack metrics, lack traces, and phase two Security Harding implement encryption and inion services. Deploy C Clearance management solution established. Key rotation, schedule and pro saleability. Introduce message brokers for a synchronous processing. Implement service miss for interservice communication. Develop after scaling policies based on demand patterns, advance patterns. Implement event source for event sourcing for critical transaction flows. Deploy CQRS for a highly volume read operation. Establish Charles engineering practices to verify resilience. Two takeaways. Adopt a Zero Trust Security Model. Leverage WA two, YDC, and J for end security across all integration points. This requires continuous verification and least privilege access at every relay critical for protecting sensitive financial data, embedded comprehensive observability into the platform to ensure operational. Excellence and streamline regulatory complaints. Robust logging metrics and tracing provide deep insights, enabling quick in issue resolution, performance optimization, and complete audit trail for financial regulations. Implement layer data protection with encryption tokenization, and make masking to safeguard sensitive financial data, effectively protected data address in transit and in use with the robust encryption tokenization for desensitization and masking. For secure testing, leverage, event driven architecture and service, meh. Highly scalable and secure FinTech platforms, even driven flood patterns, enable realtime processing and auditing wireless service. MIS provides consistent traffic management, policy enforcement, and mutual TLS. Thank you. Thank you.