Cloud-Native Web Application Development Framework for Responsible Financial Software Engineering: Balancing Innovation with Safe and Ethical AI
DOI:
https://doi.org/10.15680/IJCTECE.2021.0406006Keywords:
Responsible AI, Cloud-Native Software Engineering, Ethical AI, Safe Reinforcement Learning, Financial Software Development, Web Application Framework, DevSecOps, Explainable AI, Fairness and Accountability, Federated Learning, Regulatory Compliance, Financial Inclusion, Digital Trust, AI GovernanceAbstract
The rapid evolution of artificial intelligence (AI) and cloud-native technologies has revolutionized financial software engineering, enabling scalable, intelligent, and adaptive web applications. However, this innovation introduces complex ethical, safety, and governance challenges that must be addressed to maintain trust, fairness, and accountability in financial systems. This paper proposes a Cloud-Native Web Application Development Framework (CN-WADF) for Responsible Financial Software Engineering, designed to balance technological innovation with Safe and Ethical AI practices. The framework integrates microservices-based cloud architectures, continuous compliance pipelines, and Safe Reinforcement Learning (Safe-RL) agents to support dynamic, risk-aware financial decision-making. By embedding ethical AI governance layers—covering fairness auditing, explainable modeling, and privacy-preserving data management—the framework ensures responsible automation and regulatory alignment. Additionally, it leverages DevSecOps principles, federated data strategies, and adaptive monitoring to maintain transparency and resilience across distributed cloud environments. Case simulations in digital lending and payment systems illustrate the potential of CN-WADF to enhance trust, inclusivity, and operational safety in AI-driven financial web applications. The study demonstrates that ethical design and safe learning mechanisms are vital enablers of sustainable digital innovation in the financial domain.
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