Industry · Financial Services
DORA made sovereignty a board-level duty for finance.
Banks, insurers, payment firms and fintechs now have to demonstrate operational resilience, manage ICT concentration risk and prove a tested exit from every critical provider. Most of those providers are American.
The driver
DORA · in force January 2025
The Digital Operational Resilience Act requires full audit rights over outsourced ICT, active management of concentration risk, and demonstrable, sovereign incident response and recovery.
01Where you're exposed
- Card and payment rails concentrated on Visa, Mastercard and US processors
- Core workloads on a single US hyperscaler with no tested exit
- Regulators asking for a concentration register you do not yet have
02Typical moves
Concrete swaps that cut exposure fast.
StripeMollie / Adyen
AWSOVHcloud / Hetzner
US card railsSEPA / Wero
100%
Critical providers
must have a tested exit under DORA
Other industries
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