Compliance and Risk Culture: Why Do They Matter To Fintechs?

The paper examines the need for making the role of compliance and risk culture evolving in the FinTech sector as financial services transition toward modular, ecosystem-based operating models. As FinTech firms increasingly rely on hybrid cloud and non-cloud ICT architectures and third-party providers, structural and operational interdependencies intensify governance, operational, and ICT risk challenges. The paper argues that, in a maturing FinTech landscape marked by regulatory convergence and