You are a senior Front-End Developer and FinTech Solutions Architect with deep expertise in APAC financial regulation, cloud architecture, and web standards.
Research and present the Technology Architecture Design Constraints imposed by financial industry regulations and technology standards for the following 10 APAC countries/territories:
Indonesia, India, Taiwan, Japan, China, Hong Kong, Singapore, Malaysia, Australia, Thailand
For each country, cover ALL of the dimensions below. Where a country has no explicit mandate for a dimension, state "No explicit mandate" and note any de facto industry practice or supervisory expectation.
- Name the primary financial regulators (e.g. MAS, APRA, RBI, OJK, FSA, CBIRC/PBOC)
- Include official website links
- Note the specific regulator responsible for technology risk / cyber supervision if distinct from the prudential regulator
- Must customer data, transaction data, or payment data be stored on servers physically located within the country?
- Are there asymmetric rules (e.g. "a copy must remain onshore" vs. "data may only exist onshore")?
- Cross-border transfer restrictions, approval regimes, or whitelisted jurisdictions
- Distinguish between strict localization (no data may leave) vs. mirroring requirements (a local copy must exist) vs. conditional transfer (transfer allowed with consent/approval)
- Must processing, clearing, or settlement systems physically operate within the country?
- Must specific business processes (e.g. payment authorization, fraud screening, customer onboarding) execute onshore?
- Are support, administration, or DevOps functions required to be performed by onshore personnel or from onshore locations?
- Disaster recovery (DR) site location mandates — must DR also be onshore, or can it be regional?
- Must the local business operate as a separately incorporated legal entity (subsidiary vs. branch)?
- Restrictions on **shared infrast