The Role of Cloud and Big Data in Basel Regulatory Compliance

Authors: Ravikumar Mani Naidu Gunasekaran

DOI: https://doi.org/10.37082/IJIRMPS.v13.i6.232881

Short DOI: https://doi.org/hbkqnn

Country: United States

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Abstract: This article explores how cloud computing and big data analytics are transforming the way financial institutions comply with Basel regulatory frameworks (Basel III and IV). It highlights the technological enablers, use cases, benefits, and challenges, and provides a forward-looking perspective on regulatory technology (RegTech) adoption.

This article explores the implications of Basel III final reforms on regulatory reporting architecture. It discusses the evolution of the Basel framework, challenges in data aggregation and compliance, and strategic solutions including cloud adoption, AI, and data governance. Diagrams and case studies illustrate the transformation in reporting practices and future trends.

Keywords: Basel III, Basel IV, Basel Framework Evolution, Regulatory Compliance, Regulatory Reporting, BCBS 239, Cloud Computing, Cloud-Native Architecture, Hybrid Cloud, Multi-Cloud, Big Data Analytics, Data Integration, Data Governance, Data Lineage, Risk-Weighted Assets (RWA), Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Stress Testing, Scenario Analysis, Capital Adequacy, RegTech, AI, Machine Learning, Predictive Compliance, Operational Risk, Data Residency, Shared Responsibility Model, Automation, Real-Time Reporting, Auditability, Financial Institutions, Compliance Challenges.

Paper Id: 232881

Published On: 2025-12-11

Published In: Volume 13, Issue 6, November-December 2025

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