Federated Cloud Approaches for Multi-Regional Payment Messaging Systems
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Abstract
Payment messaging systems are becoming an essen- tial element for many cross-border financial processes. However, supporting the growing volume of payment messages while adhering to local data residency policies requires significant investments, which can be a barrier for many regional players. Federated cloud approaches—data-sharing partnerships with cross-border regions that reciprocate the processing of mes- sages—could help multi-regional cloud providers offer such services in a cost-effective, secure, and compliant manner. The candidate federated architecture models are examined from key aspects of multi-regional message-processing and offering- resilience perspectives. These aspects include the support of local data residency; treaty-based interoperability for data-sharing under local sovereign laws; a reduced attack surface; coverage of service-messaging supply chains; and support of incoming financial borders where Director Exposure and common mes- saging protocol. By enabling low-latency, cost-efficient legal- standardized cost-based reciprocal payment messaging; with copy-matching support; and for fully managed, self-service ser- vices.
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