I · WHITE PAPER No. 04 of XXI ELITE EDITION EVENT-DRIVEN IDENTITY SCIM, PingIDM and the Real-Time Synchronisation Doctrine for Hybrid and Multi-Cloud Banking Estates A Doctrine-Grade White Paper for Tier-1 Financial, Regulated, and Sovereign Institutions - Aligned to NIST AI RMF · ISO/IEC 42001 · EU AI Act · DORA ·…