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White paper cover titled ‘AI, Cloud, and the Future of Finance: The Engineering Behind AI-Driven, Cloud-Native Financial Systems,’ featuring business professionals reviewing AI analytics on screens in a modern office.
White paper page on AI, Cloud, and the Future of Finance outlining limited Web3 adoption, increased prioritization of AI/ML and cloud infrastructure by banks, and key themes such as ‘Intelligence replaces abstraction,’ ‘Infrastructure replaces improvisation,’ and ‘Trust is a result of engineering.’ It includes supporting statistics on faster decision cycles and reduced operating costs
“Document page from a white paper outlining a FinOps data pipeline model and the benefits of Testing-as-a-Service, including reduced cloud overspend, shorter release cycles, and improved defect detection

Whitepaper

AI, Cloud, and the Future of Finance: The Engineering Behind Cloud-Native Financial Systems

February 12, 2026

Maksim Lukhanin

5 min to read

Since the mid 2010s, the financial sector has been flooded with predictions about “the next big wave”. Web3, DeFi, tokenization – each of them was introduced as the turning point that would reshape financial systems.

For a while, the narrative sounded convincing. Billions in funding, endless conference panels, “decentralization replacing banking”. But the shift everyone expected never actually arrived. What did change the industry happened somewhere else entirely: infrastructure, data processing, and machine learning.

At Dedicatted, we’ve spent the past 3 years implementing these technologies across banks, payment companies, credit providers, and fintech startups. During that time, we’ve collected performance data from more than 300 client projects and tracked which implementations consistently deliver ROI.

To answer the obvious question “What actually works in financial engineering today?”, we put together a new whitepaper.

The full PDF whitepaper is now available for download.

Download Your Copy


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