Model context protocol: Architectural framework for reducing AI dependency conflicts in financial services

The integration of Artificial Intelligence in the financial technology sector has evolved from isolated deployments to enterprise-wide imperatives, creating challenges for cohesive integration. This article shows Model Context Protocol (MCP) as a transformative framework addressing these integration issues in FinTech organizations. MCP provides a standardized methodology for models to reference and utilize external tools and resources without hardcoding dependencies, representing a paradigm shift in enterprise AI architecture. The article explores how MCP facilitates horizontal scaling of AI systems within FinTech enterprises, proposes a reference architecture for integrating domain-specific AI capabilities through standardized protocols, and evaluates the organizational implications of adopting an MCP-based approach. The article analyzes implementation challenges specific to financial services, presents a comprehensive enterprise architecture with core components including Tool Publisher, Model Context Broker, and Access Control Layer, and discusses future directions including measurable business benefits and research opportunities in technical, organizational, and regulatory dimensions.

Authors

Publication Details

Journal
World Journal of Advanced Engineering Technology and Sciences
Published
2025-06-21
DOI
https://doi.org/10.30574/wjaets.2025.15.3.1128
Citations
1
Primary Topic
Cloud Computing and Resource Management
Type
article
Field-Weighted Citation Impact
3.25
Controls
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article

Model context protocol: Architectural framework for reducing AI dependency conflicts in financial services

Pankaj B. Agrawal
1 citations
World Journal of Advanced Engineering Technology and Sciences
Cloud Computing and Resource Management
3.25
article

Model context protocol: Architectural framework for reducing AI dependency conflicts in financial services

Pankaj B. Agrawal
article en
1 citations

Abstract

The integration of Artificial Intelligence in the financial technology sector has evolved from isolated deployments to enterprise-wide imperatives, creating challenges for cohesive integration. This article shows Model Context Protocol (MCP) as a transformative framework addressing these integration issues in FinTech organizations. MCP provides a standardized methodology for models to reference and utilize external tools and resources without hardcoding dependencies, representing a paradigm shift in enterprise AI architecture. The article explores how MCP facilitates horizontal scaling of AI systems within FinTech enterprises, proposes a reference architecture for integrating domain-specific AI capabilities through standardized protocols, and evaluates the organizational implications of adopting an MCP-based approach. The article analyzes implementation challenges specific to financial services, presents a comprehensive enterprise architecture with core components including Tool Publisher, Model Context Broker, and Access Control Layer, and discusses future directions including measurable business benefits and research opportunities in technical, organizational, and regulatory dimensions.

World Journal of Advanced Engineering Technology and SciencesVol. 15(3)
Industry, innovation and infrastructure
Openalex Percentile: Top 8%
Cloud Computing and Resource Management
3.25
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