Designing a Cloud-Native DevOps Framework for Risk Management in Digital Financial Service

Abstract

The complexity of digital financial services (DFS) and the adoption of cloud-native infrastructures have boosted the demand for well-built, automated and compliant risk management frameworks. The paper argues that the Cloud-Native DevOps Framework for Risk Management (CNDF-RM) is aimed at implementing the principles of automation and constant monitoring as well as compliance-as-code in financial system lifetimes. Using recent studies on cloud-native DevOps, model deployment, and financial compliance (Kanimetta, 2025; Tambi, 2024; Ugwueze, 2024; Mittal, 2025), the paper highlights how cloud-native DevOps changes the traditional risk governance approach in the context of risk regulatory mechanisms being directly implemented into the CI/CD pipeline and infrastructure orchestration. The framework connects Infrastructure as Code (IaC), continuous security validation, and observability layers with the workflows to minimise vulnerabilities and regulatory violations related to digital finance. Finally, this paper introduces a holistic model of the integration of resilience, scalability, and governance in multi-cloud financial ecosystems through a design-science conceptual approach. Findings show that a cloud-native DevOps system can help financial institutions to recover faster in the event of disruption, have higher levels of compliance assurance, and real-time operational transparency, which remain key requirements to maintain trust in the digital financial ecosystems.