Third-Party Independence vs Bank Accountability
Maintain contractual controls and continuous third-party certification to fulfil NBB governance accountability while preserving fintech operational independence.
CyberTRIZ analysis · Banking contradiction OB020 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Business Context
Third-Party Providers operate independently, yet banks remain responsible for protecting customer data and complying with regulatory obligations.
Banking TRIZ Resolution
Maintain continuous third-party certification, API governance, security assessments, and contractual controls while allowing fintechs operational independence.
Recommended Principles
Principle 24 - Intermediary
Principle 23 - Feedback
Principle 40 - Composite Materials
Expected Outcome
Better third-party governance
Stronger compliance
Lower operational risk
TRIZ principles applied
P24 IntermediaryP23 FeedbackP40 Composite Materials