A Java development partner for a regulated fintech platform should demonstrate: experience scoping and building PCI DSS v4.0.1-compliant Cardholder Data Environments, familiarity with DORA ICT risk management requirements (applicable from January 2025), working knowledge of PSD2/PSD3 open banking authorization flows, CI/CD pipelines with integrated SAST and DAST scanning, and ISO 27001 or SOC 2 certification.