Deterministic Data Governance in Hybrid Financial Architectures

Today, financial institutions’ architecture does not rely on one single technology. Instead, it uses a multi-technology approach in order to cover modern requirements and, at the same time, remain relevant. It integrates technologies such as relational databases, Big Data for analysis, and Cloud environments for distributed capacities within a complex data architecture. At the same time, due to European data governance regulations, governance mechanisms such as encryption, pseudonymization, and incremental versioning must be applied on each architectural layer in order to comply with strict European governance rules. In this study, the impact of data governance is assessed by applying these mechanisms from the data-ingestion level, using diverse data types such as structured, semi-structured, and unstructured data, across relational databases, Big Data analysis, and Cloud distributed systems. In doing so, metrics such as execution time, CPU, and memory usage are assessed in order to properly evaluate the impact of governance mechanisms on financial systems. The results show that governance can be successfully integrated, provided these mechanisms are embedded at the architectural level, ensuring that performance, scalability, and compliance are maintained across the entire processing pipeline.