Separate regulatory obligations from your banking partner's checklist.
Define your regulated activities, services and jurisdictions, then review the evidence needed by regulators, partners and customers.
Regulatory Landscape
Fintech is a business label, not a single regulatory category. A licensed payment institution, a software supplier to a bank and a consumer finance application may have different obligations. Establish the legal entity, regulated activity and service scope before choosing frameworks.
DORA has applied since 17 January 2025 to the financial entities within its scope. It is the sector-specific EU act for the relevant ICT risk and reporting requirements where the NIS2 equivalence provisions apply. An ICT supplier may also face requirements through financial-sector contracts or, for designated critical providers, the oversight framework. Do not treat every supplier as if it were a regulated financial entity.
Banking partners may request ISO 27001 certification, a SOC 2 report or other evidence. Confirm their actual acceptance criteria. GDPR and payment-card requirements need their own scope assessments; a security certificate does not discharge them. AuditFront offers reviews of several supporting frameworks, but it does not currently list a dedicated DORA assessment.
Key Compliance Frameworks
The frameworks most relevant to fintech & financial services companies.
ISO 27001
Review ISMS scope, risk treatment and evidence relevant to the service provided to your financial-sector customer.
SOC 2
Use when the partner requires a service-control report. Confirm the system, categories and period they will accept.
GDPR
Review lawful processing, access to financial and identity data, retention, processors and transfers.
NIS2
Assess applicability alongside sector-specific law. DORA and NIS2 should not be treated as interchangeable checklists.
Industry Challenges
Common compliance obstacles facing fintech & financial services companies.
The same service has several reviewers
Track which evidence satisfies a regulator, a banking partner or a contractual commitment. Their acceptance criteria may differ.
Outsourced services carry operational dependencies
Review service scope, incident communications, recovery arrangements and exit needs alongside certificates.
Reporting routes overlap
Agree how an incident is assessed under each applicable regime and who makes each notification.
How AuditFront Helps
Use the assessments to organise your review and identify follow-up work.
Review the supporting controls
Assess access, recovery, incident handling and supplier practices through the available frameworks.
Record gaps for follow-up
Keep the supporting evidence and unresolved questions together for review by the responsible specialists.
Use the DORA guide for context
The site includes a DORA guide. Treat it as reference material, with the applicable regulation and supervisory guidance as the source of obligations.
Frequently Asked Questions
Where should we start?
Will an AuditFront assessment establish compliance?
What does the free plan cover?
Start with your review scope
Choose the relevant assessment, check the evidence and keep unresolved questions visible.
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