Modern Challenges of Data Protection and High Availability in Banking Systems: A Balance between Compliance and DWH Performance

Citation: Daria Bogun, "Modern Challenges of Data Protection and High Availability in Banking Systems: A Balance between Compliance and DWH Performance", Universal Library of Innovative Research and Studies, Volume 02, Issue 04.

Copyright: This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract

The article examines the balance between regulatory compliance requirements and data warehouse performance in banking information systems. The relevance of the study is determined by the rapid growth in transaction volumes and analytical workloads within the unified IT environment of banks, increased regulatory pressure from GDPR, DORA, NIS2, and PSD3, and the necessity to ensure round-the-clock availability of reporting with minimal data processing latency. This paper is a synthesis of contemporary issues about data safety and high availability in DWH architectures of the banking sector for subsequent recommendations of design solution optimization within the regulation compliance framework. A comprehensive comparative analysis between encryption technologies at the software and hardware levels, synchronous and asynchronous replication, streaming log aggregation, and hybrid read schemes manifests study novelty. Quantitative assessment of their performance impact based on independent BitLocker and AWS auto-scaling tests further underlines novelty. They apply modern regulation requirements, structured through the three-pillar model (confidentiality, integrity, availability), which supports novelty. Multi-level architecture features a hot in-memory layer plus columnar lakehouse, HSM modules BYOK included, asynchronous replication with local synchronous quorum, as well as adaptive scaling based on latency metrics. The findings prove that selective hardware encryption using HSM modules and AES-NI ensures confidentiality at the highest level with low added delay; immutable logs on blockchain structures accelerate audit trails and process to prepare for integrity; active-active topologies plus hybrid read schemes support SLA for analytical queries at the level of local RTT; streaming log aggregation and columnar storage meet incident data exchange prerequisites inside regulated timeframes; adaptive auto-scaling based on latency ensures not surpassing target RTOs as well as not acquiring extra resource expense. The proposed architectural model provides sustainable regulatory compliance and high performance for streaming processing of banking transactions. This article will be helpful to architects of banking IT landscapes, information security specialists, DWH project managers, and regulatory compliance experts.

Keywords: Data Protection, High Availability, Banking Systems, DWH Performance.

https://doi.org/10.70315/uloap.ulirs.2025.0204011