Finops Enhanced Product Development for Cost-Transparent Cloud Banking Systems

Abstract

Cloud banking systems enable financial institutions to deliver scalable, resilient, and innovative digital services. However, as cloud adoption accelerates, cost opacity, uncontrolled spending, and misalignment between engineering decisions and financial outcomes increasingly threaten product sustAInability. Financial operations (finops) has emerged as a cross-functional discipline that integrates financial accountability into cloud operating models, yet its application at the product development level remAIns underexplored. This paper investigates how finops principles can be embedded into cloud banking product development to enable cost transparency, economic efficiency, and sustAInable innovation. Using a mixed method research approach that combines architectural analysis, cost modeling, product lifecycle mapping, and expert synthesis, the study proposes a finops-enhanced product development framework (fepdf) for cloud banking systems. Empirical evaluation across representative cloud banking workloads demonstrates that finops-aligned development reduces cloud cost variance by up to 34%, improves cost predictability by 41%, and accelerates cost-informed product decision-making without compromising performance or compliance. The findings position finops not merely as a cost-optimization practice but as a strategic product management capability essential for building transparent, scalable, and economically resilient cloud banking platforms.