DORA-Ready from Day One
For fintechs and digital challengers, building fast often comes at the cost of resilience. Speed wins the market, but if your financial infrastructure can’t withstand outages or audits, it’s not built to last.
Fragile systems don’t pass stress tests
Legacy infrastructure, even cloud-wrapped cores, are hard to replicate, slow to recover, expensive to operate, and difficult to orchestrate in real time. In the event of an outage, every second of downtime erodes trust. In an audit, patchwork logs and siloed systems won’t suffice. Most backup strategies today are still reactive, stitched together with point solutions that fail under pressure.
And we’ve seen what happens when they do.
In 2024 and early 2025, over 80 major service disruptions hit UK banks, disrupting service for millions of customers. One of the most high-profile was Barclays three-day outage from 31 January to February 2, 2025, which coincided with payday and the self-assessment tax deadline. Fifty-six percent of online payments failed and the fallout led to £7.5 million in compensation.
The result? Customers lost confidence. And banks lost customers. The UK’s Current Account Switch Service reported nearly 1.2 million account switches in 2024 alone. In a separate study, 57% of 25 to 34-year-olds and 47% of 18 to 24-year-olds said they would consider switching banks after a single technical failure123.
The lesson is clear: failing to plan for failure is no longer an option.
DORA, ISO 20022, and the rising bar for fintech regulation
Regulatory frameworks like DORA (Digital Operations Resilience Act) and ISO 20022 are setting stricter standards for business continuity, auditability, and governance. They are designed to ensure financial institutions across Europe and the UK can withstand and quickly recover from disruptions. For fintechs operating, or planning to operate, across Europe and the UK, compliance with these frameworks is a prerequisite for trust, growth, and longevity.
Resilience is no longer a nice-to-have. It’s a requirement. And legacy systems weren’t built for it.
Resilience, redefined
XYB’s Adaptive Financial Infrastructure (AFI) is designed with resilience built in, not bolted on.
Our operational resilience model goes beyond recovery. It mirrors your critical banking systems in real time, creating a fully decoupled, cloud-native backup bank that activates instantly in the event of a disruption. It’s an always-on, compliance-ready infrastructure that runs in parallel so you can isolate failure, maintain continuity, and stay compliant.
AFI is not just a fallback. It’s a fully orchestrated, regulation-ready environment that runs in parallel and meets the demands of modern regulators and customers, with:
- DORA & ISO 20022 compliance
- Real-time mirroring of critical services for uninterrupted continuity
- Built-in auditability and observability
- Cost-efficient scaling, only run what you need
- Zero duplication, zero downtime, and zero manual recovery
Designed for fintech speed. Built with bank-grade resilience.
Whether you’re building your first proposition or expanding across markets, XYB gives you the financial infrastructure to move fast and scale, without compromising control of compliance. No replatforming. No technical vendor lock-in. No retrofitting compliance.
Resilience isn’t a patch, it’s a platform.
Start with resilience. Start with AFI.
Book a demo and let’s build what’s next.
1: https://www.wearepay.uk/reports-1-2-million-switches-in-2024/
2: https://www.cityam.com/it-outages-are-uk-banks-failing-to-modernise/
3: https://www.consultancy.uk/news/37909/one-third-of-customers-would-change-bank-after-outage
