Compliance 22 min read Dec 26, 2024
FinTech Security:
Navigating Global Regulatory Requirements
Complete guide to PCI DSS, DORA, PSD2, and emerging FinTech regulations. Build compliance frameworks that scale across multiple jurisdictions.
EJ
Emma Johnson
FinTech Compliance Expert with 14+ years in financial services regulation. Former regulatory affairs manager at major banks, specializing in multi-jurisdictional compliance frameworks.
Regulatory Landscape 2025
- DORA (Digital Operational Resilience Act) enforcement begins January 2025 for EU financial entities
- PCI DSS 4.0 becomes mandatory with enhanced authentication and encryption requirements
- Open Banking regulations expand globally, requiring robust API security frameworks
- Quantum-resistant cryptography requirements emerging in several jurisdictions
Global Regulatory Framework Overview
The FinTech regulatory landscape in 2025 is characterized by increasing convergence of global standards while maintaining regional specificities. Organizations must navigate a complex web of requirements that span data protection, operational resilience, and cybersecurity mandates.
Key Regulatory Domains
Operational Resilience
- • DORA (EU Digital Operational Resilience Act)
- • FCA Operational Resilience Rules (UK)
- • Fed Guidance on Operational Risk (US)
- • APRA Prudential Standard CPS 230 (Australia)
Payment Security
- • PCI DSS 4.0 (Global)
- • PSD2 Strong Customer Authentication (EU)
- • RTS on SCA and CSC (EU)
- • Consumer Data Right Standards (Australia)