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SOLUTIONS · FINTECH & INSURTECH

Compliance and continuous security for fintech.

DORA is already in force, NIS2 applies to your sector, and banks ask for ISO 27001 and pentest reports before signing. Your regulator wants continuous evidence, not an annual snapshot.

Zerod runs the whole programme. Compliance automation, continuous security validation and the frameworks that fintech buyers and regulators actually ask for.

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A compliance workspace with three active frameworks: DORA implemented, NIS2 in progress, ISO 27001 implemented. Each row carries its scope and its state.

Active frameworks

3 frameworks

FrameworkStatus
  • DORADigital operational resilienceImplemented
  • NIS2Network and systems securityIn progress
  • ISO 27001Information security managementImplemented

The regulatory reality for fintech.

Fintech operates under a stack of overlapping obligations that keeps getting denser:

Illustration of the fintech regulatory stack: eight overlapping frameworks piling up, DORA, NIS2, ISO 27001, SOC 2, GDPR and LOPDGDD, the EU AI Act, PSD2 and the sector frameworks, each with what it requires.

  1. DORA (Digital Operational Resilience Act)

    in force since January 2025, applies to every financial entity and its critical ICT providers

  2. NIS2

    banking, financial market infrastructure and ICT service management are essential entities

  3. ISO 27001

    the standard for banking partnerships and enterprise B2B fintech

  4. SOC 2

    required by US customers and increasingly by European banks in cross-border reviews

  5. GDPR + LOPDGDD

    reinforced by sector guidance from the EDPB and national authorities

  6. EU AI Act

    AI credit scoring, fraud detection and KYC/AML classified as high risk

  7. PSD2

    for payment services, security and authentication obligations

  8. Sector frameworks

    the Insurance Distribution Directive, AML/CFT obligations

The overlap between frameworks is the opportunity. The wrong approach multiplies the work. The right approach reduces the operational burden.

What fintech customers and regulators want to see.

Illustration of the three fintech counterparts and what each one requires: banks and financial partners, enterprise B2B fintech customers, and regulators.

  • Banks and financial partners

    • ISO 27001
    • Recent pentests
    • Incident history
    • Continuous validation

    Before closing a fintech partner, banks run security due diligence that can take months. They ask for ISO 27001, recent pentests, incident history and, increasingly, evidence of continuous validation, not just point-in-time reports.

  • Enterprise B2B fintech customers

    • ISO 27001
    • SOC 2 Type II
    • Procurement questionnaires

    Insurers, wealth managers and corporate treasuries require ISO 27001 as a minimum. Increasingly SOC 2 Type II. Their procurement questionnaires are long, technical and repeat annually.

  • Regulators

    • DORA
    • Incident notification
    • Third-party risk management
    • Testing programmes

    DORA imposes operational resilience on financial entities, under the supervision of the Banco de España, the CNMV and the DGSFP depending on the sector. Incident notification within tight windows. Third-party risk management with documented supplier assessment. Testing programmes, not just documentation.

How Zerod fits into fintech.

  • DORA operational resilience: DORA requires ICT risk management, incident classification and reporting, third-party risk management and periodic resilience testing including threat-led penetration testing (TLPT) for significant entities. Zerod’s compliance platform and continuous security validation cover all four pillars in one place.
  • Continuous evidence, not an annual snapshot: Regulators and enterprise customers no longer accept the annual audit model. Zerod updates evidence continuously, tracks control status in real time and gives you an audit-ready posture every day of the year.
  • AI in finance, under the AI Act: AI credit scoring, fraud detection and biometric KYC are high risk under the EU AI Act. Zerod records the risk classification of each of those systems and filters the AI Act controls that apply to you, inside the same compliance programme you already run for your other frameworks.
  • Trust Center for banking partnerships: When a bank asks about your security posture, you point to a Trust Center showing current certifications, active controls, recent pentest summaries and incident response. Days of answering questionnaires by hand become a link.
  • Supplier management for third-party risk: DORA and NIS2 extend security responsibility to your supply chain. Zerod’s supplier management module tracks your critical providers with the depth regulators expect.

Fintech companies that trust Zerod.

Digital banks, insurtech platforms, embedded finance providers and payment infrastructure companies in Spain and Europe use Zerod to manage compliance, satisfy regulators and close banking and enterprise deals faster.

Get compliant. Prove your security.

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Fintech · Zerod