Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.
TOPIC
DORA Article 5 board accountability, BCBS 239 risk-data aggregation, third-party concentration risk, exit testing, and the engineering controls that turn operational resilience from a compliance project into a supervisor-ready scoreboard.
Fihirisa na juriyar banki ta 2026 — haɗa haɗarin AI, haɗarin tarawa na cloud, ƙaura mai juriya da PQC, ci gaba na biya, da dogaro mai mahimmanci ga ɓangare na uku cikin allon kima guda na juriya na ayyukan da kwamiti da mai kula za su iya karantawa.
Shirin injiniya don banking cloud-native a matakin binciken DORA. Primitives biyar na platform engineering — hanyoyin shimfiɗa na Kubernetes, tashar Backstage, GitOps ta ArgoCD, shigarwar Open Policy Agent, OpenTelemetry daga ƙarshe zuwa ƙarshe — suna samar da shaidar rajistar Mataki 8 a gudun bututun aiki. Gwajin aiwatar da fita na shekara-shekara ga CIF masu dogaro da CTPP bisa manufofin RTO da aka samo daga BIA. An magance zaɓuɓɓukan sovereign-cloud (AWS European Sovereign Cloud, Microsoft EU Data Boundary, Bleu, Thales / S3NS) a matsayin shawarwarin injiniya, ba alama ba.
DORA, EU AI Act, GDPR, haɗarin tarawar cloud, da ikon mallakar bayanai sun haɗu zuwa tarin bin doka guda na bankuna a 2026. Tambayar dabara ita ce horon ƙira — tafiyar da bin doka, gudanar da AI, shaida ta juriya na ICT, da zaɓuɓɓukan bayanai masu cin gashin kai a matsayin gine-gine ɗaya, ba shirye-shirye biyar a layi ɗaya ba.
Tsarin gine-ginen cloud ya zauna kan ginshikai shida da kuma tambaya guda mai mahimmanci ga banki: ko za su ci cloud ko su tsara shi — a karkashin matsin haduwa daga kasuwanci na agentic, tattalin arzikin sashe na agentic, hadarin quantum na harvest-now-decrypt-later, tsaron MCP da yaduwar algorithmic, mahimmancin agent ta hanyar cryptography, da gadon tsofaffin tsarin da har yanzu yake cinye kashi 70–75% na kasafin IT na sabis na kudi.