API Scalability vs Operational Cost
Use elastic, containerised infrastructure to meet NIS2 availability and resilience obligations while keeping Open Banking scaling costs proportionate.
CyberTRIZ analysis · Banking contradiction OB019 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Business Context
Open Banking adoption continues increasing API traffic. Scaling infrastructure ensures reliable service but also increases technology costs.
Banking TRIZ Resolution
Implement elastic cloud infrastructure with automatic scaling, workload balancing, and containerized API services that allocate resources only when demand increases.
Recommended Principles
Principle 15 - Dynamics
Principle 20 - Continuity of Useful Action
Principle 40 - Composite Materials
Expected Outcome
Better scalability
Lower infrastructure cost
Improved availability
TRIZ principles applied
P15 DynamicsP20 Continuity of Useful ActionP40 Composite Materials
Controls that address this (22)
EU_NIS2-CTRL-001 - Daily safeguarding reconciliationoperational · critical priority · Daily reconciliation between safeguarded customer balances, core ledger balances and safeguarded bank accounts. Variances above EUR 100 mustEU_NIS2-CTRL-002 - Critical ICT incident reportingoperational · critical priority · All major ICT incidents impacting payment services, customer data or availability must be classified within 4 hours and reported under DORA EU_NIS2-CTRL-003 - GDPR breach notification workflowoperational · critical priority · Personal data breaches must be assessed within 12 hours and reported to the Belgian DPA within 72 hours where risk to data subjects exists.