Monu Sharma is a Senior IT Solutions Architect, technology leader, and researcher with extensive experience in enterprise architecture, cloud computing, artificial intelligence, cybersecurity, and digital transformation. He has authored more than 20 scholarly articles covering emerging technologies and advanced IT solutions. Monu is a Fellow of BCS (The Chartered Institute for IT) and a Senior Member of IEEE, reflecting his professional contributions and commitment to advancing the field of information technology. His work focuses on designing innovative, scalable, and secure technology solutions while bridging academic research with real-world industry challenges.

Cloud-native financial system architecture As the financial sector undergoes digital transformation, there is an increasing demand for scalable, resilient, and secure systems. Modern financial systems are being developed using cloud-native architectural principles, which emphasize microservices, containerization, and scalable distributed components. This chapter examines the design and implementation of cloud-native architectures for financial systems, with a focus on scalability, fault tolerance, elasticity, regulatory compliance and operational efficiency. The study discusses essential architectural elements such as API gateways, event-driven frameworks, and cloud-native data platforms that support real-time transaction processing and sophisticated analytical capabilities. It covers various security features such as encryption, identity management, zero-trust frameworks, and regulatory compliance for financials. The chapter analyzes challenges like legacy system integration, latency optimization and cost issues. Other emerging directions like serverless computing, AI-enabled financial services and blockchain integration within the cloud-native ecosystem. The discussion explores how cloud-native technology is changing financial systems and making it agile, intelligent and highly scalable in nature.