Foundations of FinTechSec++: A Framework for Future Data Security Solutions in Financial Ecosystems

Abstract

With the rapid digitalization of financial services-spanning mobile wallets, peer-to-peer lending, central bank digital currencies (CBDCs), and decentralized finance (DeFi)-security architectures must evolve to counter diverse and emerging threats. Building on our earlier FinTechSec++ design for FinTechs and CBDCs, this paper reconceives the framework as a [Simplified] foundational platform for wider financial ecosystems. The framework introduces: (i) modular cryptographic plugins tailored to domain-specific data, (ii) a policy orchestration engine for reconciling multi-jurisdictional rules, (iii) audit logs optimized for external analytics tools, and (iv) automated retraining pipelines for anomaly detection. [Simplified long sentence] Benchmarks on three prototypes (Micro Payment App, CBDC Sandbox, and DeFi DEX) demonstrate threat detection rates of 94-97%, encryption throughput gains of 1.7x-1.9x, and policy enforcement latencies below 60 ms. These findings establish FinTechSec++ as a practical foundation for future financial data security solutions.