Cloud-Native Development for UK FinTech — FCA COBS Built In
ClickMasters provides Cloud-Native Development for UK FinTech businesses with FCA COBS, FCA PS21/3 compliance from Sprint 1.
Key Highlights
Compliance
+3 more standards
Pricing
Cloud-Native Development for FinTech — UK Specifics
FCA PS21/3 Cloud-Native Architecture for FinTech
FCA PS21/3 Operational Resilience: cloud-native architecture must support Impact Tolerance targets. Key cloud-native patterns for FinTech resilience: (1) Multi-AZ deployment (AWS eu-west-2 — 3 availability zones) — payment processing services deployed across all 3 AZs, loss of any single AZ causes zero downtime. (2) Circuit breaker pattern (Resilience4j / Opossum) — external payment provider failure (Stripe, Modulr) triggers circuit breaker, fallback behaviour prevents cascade failure. (3) Graceful degradation — non-critical features (analytics, reporting) disabled automatically during high load to protect payment processing IBS.
Open Banking Cloud Architecture
UK Open Banking (PSD2 / PSRs 2017): cloud-native AISP/PISP architecture. AISP (Account Information Service Provider): TrueLayer/Yapi webhooks (bank pushes consent refresh notifications) → AWS API Gateway → Lambda (consent refresh handler) → DynamoDB (consent store). PISP (Payment Initiation Service Provider): Stripe/GoCardless webhooks → SQS (payment event queue) → ECS Fargate (payment processor service) → PostgreSQL (order status update). Payment processing IBS: ECS Fargate on 3 AZs (not Lambda — no cold start for payment flows).
FCA Consumer Duty Cloud-Native Data Architecture
FCA Consumer Duty annual review: firms must produce Board-level Consumer Duty outcomes data. Cloud-native data pipeline: application events (product views, purchases, cancellations, complaints) → Kinesis Data Streams → Lambda (event processor) → S3 (event lake) → Athena (Consumer Duty SQL queries) → QuickSight (Consumer Duty dashboard). Consumer Duty metrics: outcome monitoring (% of customers achieving intended outcomes), value assessment (revenue vs customer benefit), and fair treatment metrics. Automated quarterly Consumer Duty report generated from Athena queries.
PCI-DSS Cloud-Native Compliance
PCI-DSS for cloud-native FinTech: Stripe Elements (SAQ-A — card data never reaches AWS). AWS PCI-DSS Shared Responsibility: AWS is PCI-compliant for infrastructure — FinTech is responsible for application-level controls. Required: AWS Config (compliance rules — S3 bucket public access blocked, CloudTrail enabled), AWS SecurityHub (PCI-DSS standard — automated compliance checks), and AWS GuardDuty (threat detection — unusual API calls, crypto mining, data exfiltration attempts). Annual ASV scan: AWS Inspector + external Tenable scan.
Compliance
FCA COBS
FCA PS21/3
PCI-DSS
UK GDPR
FCA Consumer Duty
Cyber Essentials Plus
ISO 27001
Compliance & Regulations
Every solution we build for this industry is designed to meet the following regulatory and standards requirements.
FCA COBS
FCA PS21/3
PCI-DSS
UK GDPR
FCA Consumer Duty
Cyber Essentials Plus
ISO 27001
Investment Options
Flexible engagement models tailored to your fintech project requirements.
£25,000–£150,000
Full engagement
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
£3,500–£8,000
Scoping
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
from £2,000/mo
Ongoing support
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
What Our Clients Say
Success stories from clients in fintech industry.
“ClickMasters transformed our digital infrastructure. Their understanding of UK fintech regulations saved us months of compliance work.”
Sarah Mitchell
CTO, FinTech Solutions Ltd
“The team's expertise in NHS integrations and DTAC compliance was invaluable. They delivered on time and within budget.”
Dr. James Cooper
Medical Director, HealthFirst UK
“Their grasp of FCA requirements and insurance sector nuances helped us launch our platform 40% faster than expected.”
Michael Brooks
CEO, InsureTech Pro
Frequently Asked Questions
Common questions about fintech software development.
What AWS architecture does FCA PS21/3 compliance require for FinTech?
FCA PS21/3 compliant AWS architecture for UK FinTech: ECS Fargate on all 3 AZs in eu-west-2 (multi-AZ), Application Load Balancer (health checks route traffic away from unhealthy tasks), Aurora PostgreSQL Multi-AZ (automatic failover < 30 seconds), ElastiCache Redis Multi-AZ (session data survives AZ failure), and AWS Route 53 health checks (automatic DNS failover to DR region for IBS tolerance breaches). Impact Tolerance testing: quarterly simulated AZ failure (AWS FIS) — verify IBS continues within tolerance.
How do we implement the FCA Consumer Duty technical requirements in cloud-native architecture?
FCA Consumer Duty technical architecture: (1) Event sourcing for all customer interactions (every product view, purchase, complaint, cancellation is an immutable event in Kinesis/SQS). (2) S3 data lake: all customer events in S3 — queryable via Athena for Consumer Duty analysis. (3) Outcome monitoring: automated weekly query calculating % of customers achieving product outcome (e.g., % of investors achieving target returns, % of borrowers completing repayment). (4) Consumer Duty Board dashboard: AWS QuickSight (refreshed daily — Board can interrogate Consumer Duty data). ClickMasters implements Consumer Duty technical architecture as standard for all FCA-regulated cloud-native builds.
Related fintech Services
FinTech Software Development UK — FCA, Open Banking & Regulated FinTech Builds
Custom Software Development for UK FinTech Companies — FCA Compliant
MVP Development for UK FinTech Companies — FCA Sandbox Compliant
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