Expert Articles
For the past decade, fintechs scaled fast by renting capability - cloud infrastructure, engineering talent, and core systems. It worked. Until it didn’t.
The regulatory environment of 2026 has fundamentally closed that window. With the Digital Operational Resilience Act (DORA) now in full force and the EU AI Act raising the bar on AI transparency, the "our vendor handles that" defense is no longer viable. Regulators don't accept it. Auditors don't accept it. And increasingly, your board shouldn't either.
Build-Operate-Transfer Model: Why Fintech’s Future Depends on Owning Your Tech