Back to blog
DORAfintechcompliance

DORA: digital operational resilience for fintech — what startups miss

Published on 2026-03-227 min readCleanIssue

> TL;DR: DORA regulation has been applicable since January 2025. Here's what fintechs need to implement.

DORA is in force — not in preparation

The Digital Operational Resilience Act applies since January 2025 to all financial entities in the EU.

The 4 pillars

1. ICT risk management: formal risk management policy.

2. Resilience testing: regular security tests.

3. Third-party management: evaluate your providers' security.

4. Incident reporting: notify authorities of major ICT incidents.

Key Takeaways

  • Identify and test your exposed attack surfaces before a third party does.
  • Client-side security controls never replace server-side validation.
  • Regular audits are more effective than one-time checks — vulnerabilities appear with every deployment.
  • Building HR, payroll, or recruiting software? CleanIssue performs security audits for HR SaaS in real-world conditions, no source code access needed. For a first read of your exposure, start with an external review of your application.

    Sources

    Written by CleanIssue
    Reviewed on 2026-03-22

    Editorial analysis based on official vendor, project, and regulator documentation.

    Related services

    If this topic maps to a real risk in your stack, these are the most relevant CleanIssue audits.

    Need an external review of your HR SaaS?

    Share your product, stack, and client context. We will come back with the right review scope.

    Discuss your audit