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Cyber Risk Management for FinTechs in the 21 Century

Adapting to AI, Cloud, and IoT Disruption

By Oreoluwa Joda, Cyber Risk Manager, Fiserv

As Fintechs accelerate their adoption and integration of emerging technologies like Artificial Intelligence
(AI), Cloud computing, and the Internet of Things (IoT), they are challenged by an increasingly complex
and volatile cyber threat landscape. These technologies, while transformative, also introduce new and
often vaguely understood risks, including but not limited to algorithmic manipulation, exposure of data in
dynamic cloud environments, and widespread vulnerabilities in connected devices. Traditional cyber risk
management frameworks no longer suffice in addressing the speed, scale, and interconnectivity of these
innovations. Thus, Fintech companies must implement comprehensive and advanced risk management
strategies to protect their data and digital infrastructures.

This article highlights the need for adaptive, technology-driven security approaches that encompass
traditional methods. It explores how AI and other key emerging technologies are redefining the fintech
industry, how cloud systems require continuous monitoring, and how IoT expansion increases
vulnerability at endpoints. It also explores ways in which Cyber risk management can be enhanced in the
fintech industry, via transition to proactive and intelligent defenses to protect the digital ecosystems
effectively.

Cyber Defense eMagazine – September 2025 Edition 176
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