Cognitive Goal-Driven Financial Infrastructure: A Cloud-Native, AI-Orchestrated Architecture for Investment Trade Settlement and Risk Management Systems
Fidelity Investments, NC, USA.
Research Article
World Journal of Advanced Research and Reviews, 2023, 19(01), 1659-1667
Publication history:
Received on 24 May 2023; revised on 23 July 2023; accepted on 29 July 2023
Abstract:
Modern financial ecosystems confront an unprecedented convergence of operational complexities including ultra-high transaction volumes exceeding millions of operations per second, heterogeneous asset classes spanning traditional securities to digital instruments, real-time risk exposure monitoring requirements, dynamic regulatory volatility, and increasingly sophisticated user-specific financial objectives. Conventional financial platforms architect investments, trade settlements, and risk management as loosely coupled subsystems, creating latency bottlenecks that propagate through the execution chain, fragmented risk visibility that obscures systemic vulnerabilities, and suboptimal capital efficiency that reduces market competitiveness. This research proposes a Cognitive Goal-Driven Financial Infrastructure (CGDFI), representing a fundamentally novel cloud-native, AI-orchestrated architecture that unifies financial goal modeling, investment execution orchestration, trade settlement automation, and dynamic risk governance into a single adaptive computational system capable of processing transactions at planetary scale. The proposed methodology introduces three groundbreaking components: Goal-Conditioned Financial Graphs (GCFG) for semantic representation of investment logic, Reinforcement-Learning-Driven Settlement Orchestration for adaptive trade clearing, and Probabilistic Risk Digital Twins for transaction-level risk simulation. Experimental validation demonstrates 47% reduction in settlement latency, 63% improvement in systemic risk detection accuracy, and sustained throughput of 2.4 million transactions per second under stress conditions, establishing significant advancement beyond state-of-the-art approaches.
Keywords:
Cognitive Financial Infrastructure; Goal-Conditioned Graphs; Reinforcement Learning Settlement; Risk Digital Twins; Cloud-Native Architecture; AI-Orchestrated Trading; Real-Time Risk Management
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Copyright © 2023 Author(s) retain the copyright of this article. This article is published under the terms of the Creative Commons Attribution Liscense 4.0