End-to-End Encryption and Identity Federation for Multi-Cloud FinTech Deployments

Authors: Prashant Singh

DOI: https://doi.org/10.37082/IJIRMPS.v11.i2.232560

Short DOI: https://doi.org/

Country: USA

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Abstract: With the rise of cloud-native platforms in the financial sector, many FinTechs today are adopting multi-cloud strategies to improve performance, cost-efficiency, and reliability. But this shift also brings serious challenges—especially around data privacy, user identity management, and staying compliant with regulations across different cloud providers. In this paper, we propose a practical and secure approach that combines end-to-end encryption (E2EE) with identity federation to address these issues in a comprehensive manner.
End-to-end encryption ensures that sensitive financial data remains protected throughout its journey—from the user all the way to the backend service—without exposing it to any intermediaries. On the other hand, identity federation helps organisations manage user authentication centrally, while allowing trusted third-party identity providers to handle sign-ins using standards like OAuth 2.0, OpenID Connect, and SAML.
We present a reference architecture using widely adopted tools such as Kubernetes, Istio, Keycloak, and HashiCorp Vault, which allows FinTech systems to securely run microservices across different cloud environments. Our tests using simulated financial workloads show that the solution performs well under high traffic, keeps latency low, and enforces strong security and access controls in real time.
Overall, this work offers FinTech developers and architects a reliable framework to secure multi-cloud systems—by blending encryption with identity federation in a way that’s scalable, compliant, and ready for the demands of modern financial applications.

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Paper Id: 232560

Published On: 2023-04-06

Published In: Volume 11, Issue 2, March-April 2023

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