Three-dimensional Construction of Financial Technology Security: Risk Dimension Analysis, Protection Mechanism Design, and Governance System

Abstract

With the rapid development of information technology and the widespread application of emerging technologies such as big data in the financial sector, FinTech has become a core force driving transformation in the financial industry. However, technological innovation is often a double-edged sword. Severe challenges to information security have also accompanied the widespread adoption of FinTech. Frequent security incidents, such as data leaks and cyberattacks, pose a serious threat to the operations of financial institutions and erode customer trust, making FinTech security increasingly crucial. This article constructs a three-dimensional framework for FinTech security, encompassing "risk-protection-governance," and systematically examines its core issues. First, it analyzes the cross-layer coupling risks of the technology, data, and application layers. Secondly, it constructs a protection mechanism encompassing zero-trust architecture, privacy-preserving computing, and a secure development lifecycle, focusing on technical defense, institutional norms, and end-to-end management. Finally, it proposes a governance system that incorporates penetrating supervision, sandbox optimization, the application of regulatory technology, and collaborative governance across the government, industry, and society. This research demonstrates the need for dynamic FinTech security prevention and control through a collaborative "technology-process-institutional" approach and multi-faceted governan    ce, providing theoretical and practical support for the secure development of digital finance.