16 of the top 20 commercial banks already trust Black Duck. Your FinTech should too.
PCI DSS 4.0 is enforced. EU DORA is live. EU CRA is September 2026. Three frameworks running simultaneously. One governed evidence system.
FinTech is the most regulated software category in the world for good reason — payment platforms, lending software, RegTech systems, and crypto infrastructure handle transactions, personal financial data, and systemic financial risk at a scale that makes a single ungoverned open-source vulnerability a board-level event.
Siemens Polarion governs the development lifecycle that regulators audit. Black Duck governs the software supply chain that PCI DSS Requirement 6.3.2, EU DORA Article 9, and EU CRA mandate you document. 92 out of 100 FinTech codebases contain high or critical vulnerabilities per OSSRA 2026. The exposure is real. The regulatory clock is running.
X-DLM™ connects Siemens Polarion and Black Duck so your FinTech company produces PCI DSS SBOM, DORA ICT supply chain evidence, and EU CRA documentation automatically — from one governed workflow your team builds continuously, not before every audit.
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Why Siemens and Black Duck — the only combination that addresses FinTech lifecycle governance and supply chain security simultaneously
The regulated financial services trust story. 16 of the top 20 commercial banks. FINRA. EU payment platforms. Built on Siemens and Black Duck.
Siemens Polarion ALMThe lifecycle governance platform that turns FinTech development into a continuous regulatory evidence chain
EU DORA Article 9 requires documented ICT risk management processes. PCI DSS 4.0 Requirement 6 requires secure development lifecycle documentation. SOC 2 Change Control requires governed release approval chains. Siemens Polarion connects every requirement, change, test, and release approval into a single audit-ready evidence trail — built during development, not reconstructed before every regulatory audit or pen test.
Black Duck SCAThe supply chain intelligence that makes PCI DSS SBOM, DORA vendor risk, and MiCA security evidence defensible
PCI DSS 4.0 Requirement 6.3.2 mandates a documented inventory of open-source components in payment software. EU DORA Article 9 requires documented management of ICT third-party dependencies. Black Duck identifies every open-source component across payment processing stacks, API gateway frameworks, cryptographic libraries, and financial data middleware — with 317K+ vulnerabilities, 63K+ exclusive BDSA advisories, and SBOM output in SPDX and CycloneDX. Named a Gartner Magic Quadrant Leader for Application Security Testing for eight consecutive years. 16 of the top 20 commercial banks depend on it. Your FinTech buyers' banks are already running it.
X-DLM™ — The Integration LayerSiemens governs the lifecycle. Black Duck governs the supply chain. X-DLM™ makes both provable at audit speed.
X-DLM™ connects Black Duck and Siemens Polarion so every open-source vulnerability, license risk, and dependency discovered by Black Duck becomes a governed Polarion workflow — with PCI DSS practice mapping, DORA risk documentation, ownership, response timelines, and approval history. The PCI DSS SBOM, DORA ICT supply chain evidence, EU CRA vulnerability disclosure records, and SOC 2 change control audit trail your regulators and auditors require are built continuously — not assembled the week before a QSA assessment or a DORA supervisory review.
What regulators and QSAs are finding in FinTech codebases
92 out of 100 FinTech codebases contain high or critical vulnerabilities. PCI DSS 4.0, EU DORA, and EU CRA all require you to govern them with documented evidence.
Of Financial Services and FinTech codebases contain at least one high or critical open-source vulnerability — the second-highest rate of any industry. PCI DSS, DORA, and CRA all require documented vulnerability management evidence. Source: OSSRA 2026.
Of the top 20 global commercial banks use Black Duck for software supply chain security and open-source risk management. When your enterprise banking customers run Black Duck, your FinTech can speak their language.
Black Duck BDSA advisories surface critical vulnerabilities up to 3 weeks ahead of NVD — covering payment processing libraries, cryptographic frameworks, API gateway dependencies, and financial middleware CVEs your payment stack depends on.
Reduction in legal review workload seen by FINRA after deploying Black Duck across 500 developers managing 100–130 applications — eliminating manual open-source tracking spreadsheets and replacing them with automated SBOM governance. Source: Black Duck FINRA case study.
Sources: OSSRA 2026. Black Duck Financial Services page. Black Duck FINRA case study. Black Duck BDSA product documentation.
Three regulatory obligations that reach the CEO's desk simultaneously
PCI DSS. EU DORA. EU CRA. Three frameworks. All active. All carrying penalties that dwarf the cost of the governance program they require.
PCI DSS 4.0
Loss of card processing rights — not a fine
PCI DSS non-conformity does not produce a warning. It produces loss of card processing rights — which for a payment platform, wallet, or lending FinTech means loss of the primary revenue mechanism. Requirement 6.3.2 mandates a documented inventory of open-source components in payment software. Black Duck produces it. X-DLM™ keeps it current and links it to Polarion release governance.
EU DORA
Supervisory action and public naming — in force January 2025
EU DORA is not a future deadline. It entered into force January 17, 2025 and applies to every bank, insurer, FinTech, and payment platform with EU operations. Article 9 requires documented ICT supply chain risk management including third-party software dependencies. Non-conformity produces supervisory action and public naming by EBA, ESMA, or EIOPA. X-DLM™ produces continuous DORA Article 9 evidence from the same Black Duck + Polarion workflow.
EU CRA
2.5% of global revenue plus EU market exclusion — September 2026
FinTech software products sold in the EU — payment platforms, lending software, RegTech systems, crypto wallets — are Products with Digital Elements under EU CRA. From September 2026, exploited vulnerability reporting within 24 hours is mandatory. From December 2027, full conformity is required — non-conformity carries 2.5 out of 100 of global annual turnover or €15 million plus EU market exclusion. X-DLM™ produces the machine-readable SBOM and vulnerability disclosure records CRA requires.
How regulated financial institutions govern open-source risk on Black Duck
FINRA governs 500 developers, 100–130 applications, and 100,000 daily builds on Black Duck.
FINRA — the Financial Industry Regulatory Authority, overseeing all US broker-dealer activity — processes approximately 6 terabytes of data across 20 billion financial transactions daily. At any given time, 500 developers are managing 100–130 applications across 100,000 builds.
Before Black Duck, open-source component tracking was a manual, spreadsheet-based process that couldn't scale. After deployment: legal review workload dropped by 75 out of 100. The organization saved three person-days of work per application on average. A dedicated technology review team was eliminated entirely — because Black Duck's automated SBOM governance replaced what humans previously had to do manually.
X-DLM™ takes the Black Duck intelligence FINRA depends on and connects it to Siemens Polarion — so every finding becomes a governed workflow with ownership, timeline, and approval history that satisfies PCI DSS, DORA, and CRA evidence requirements simultaneously.
"With Black Duck, they don't have to worry about filling out spreadsheets. Plus the legal team would have to get involved to vet each usage, and they don't have to do this now." — FINRA Lead Systems Engineer
Reduction in legal review workload at FINRA post-Black Duck deployment
Saved per application on average across FINRA's 100–130 app portfolio
Daily builds governed by Black Duck at FINRA across 500 developers
Top 20 global commercial banks using Black Duck for software supply chain security
The X-DLM™ FinTech governance workflow
Black Duck identifies risk → X-DLM™ routes → Polarion traces and approves → PCI DSS, DORA, and CRA evidence is retained before any QSA or regulator asks.
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Delivers PCI DSS 4.0 Requirement 6.3.2 SBOM — machine-readable inventory of all open-source components in payment software, maintained continuously, not assembled pre-assessment
- 02
Produces EU DORA Article 9 ICT supply chain documentation — every third-party open-source dependency mapped, monitored, and linked to Polarion governance records
- 03
Generates EU CRA-compliant SBOM in SPDX and CycloneDX with vulnerability disclosure records satisfying the 24-hour exploited vulnerability reporting obligation from September 2026
- 04
Surfaces critical payment stack vulnerabilities up to 3 weeks ahead of NVD via Black Duck BDSA — covering cryptographic libraries, API frameworks, and financial middleware CVEs
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Routes every Black Duck finding into governed Polarion work items with PCI DSS practice mapping, DORA risk classification, ownership, and timestamped approval history
Faster procurement, stronger customer trust, and a more
defensible growth story — Siemens & Black Duck.
15–30 minute discovery call. We show you exactly how X-DLM™ operationalizes PCI DSS, DORA, CRA, and SOC 2 evidence — on the Siemens Polarion and Black Duck stack that 16 of the top 20 commercial banks already depend on.
The X-DLM™ FinTech trust equation