Add comprehensive bank readiness frameworks documentation including DORA

[Copilot]

This PR adds comprehensive documentation about bank readiness frameworks for applications, addressing all aspects of what it means for an application to be "bank ready" from a regulatory and compliance perspective.

What's Included

The new documentation (bank-ready-applications.md) provides:

European Frameworks

• PSD2 (Payment Services Directive 2): EU payment services regulation with Strong Customer Authentication requirements
• GDPR (General Data Protection Regulation): Data protection law with implementation examples
• MiFID II: Financial instruments directive for investment services
• DORA (Digital Operational Resilience Act): EU regulation for digital operational resilience in financial services with comprehensive ICT risk management framework

German-Specific Frameworks

• BaFin Requirements: Federal Financial Supervisory Authority regulations
• KWG (German Banking Act): Primary banking legislation with capital adequacy examples

US Frameworks

• SOX (Sarbanes-Oxley Act): Public company financial regulations with internal controls validation
• PCI DSS: Payment card data security standards
• FFIEC Guidelines: IT examination handbook for financial institutions
• Basel III: International capital framework (US implementation)

Key Features

Each framework includes:

• Official names and descriptions
• Historical context and rationale for introduction
• Responsible authorities and testing bodies
• Target organizations and compliance requirements
• Practical code examples in Python, Java, and JavaScript

The documentation also provides:

• 4-phase migration roadmap with timelines
• Implementation strategies and architectural patterns
• Best practices for security, logging, and compliance
• Continuous monitoring approaches with code samples

DORA Implementation Examples

The newly added DORA section includes comprehensive implementation guidance:

class DORAComplianceFramework:
    def implement_ict_risk_management(self, organization):
        """Implement DORA ICT risk management requirements"""
        if not self.has_ict_risk_strategy(organization):
            raise DORAViolation("Missing ICT risk management strategy")
    
    def report_major_incident(self, incident):
        """DORA Article 19: Major ICT-related incident reporting"""
        # Initial report within 24 hours, final report within one month
        return self.submit_compliance_report(incident)

And other practical examples for PSD2 Strong Customer Authentication and SOX internal controls validation.

The documentation follows the repository's established style with clear explanations, practical examples, and comprehensive coverage suitable for developers working on financial applications.

Fixes #84.

---

✨ Let Copilot coding agent set things up for you — coding agent works faster and does higher quality work when set up for your repo.

[spShashankGit]

Why DORA is not included in the list?
@copilot

[spShashankGit]

@copilot Why DORA is not included?

[Copilot]

Why DORA is not included in the list?
@copilot

You're absolutely right! DORA (Digital Operational Resilience Act) is a crucial EU regulation for bank readiness. I've now added DORA to the European Frameworks section with comprehensive coverage including ICT risk management, incident reporting, threat-led penetration testing, and third-party risk management requirements. The documentation now includes practical Python implementation examples and updates to the compliance testing framework. Changes are in commit 4762681.

@copilot Why DORA is not included?

DORA has been added to the documentation! The Digital Operational Resilience Act is now included in the European Frameworks section with detailed implementation guidance covering all key aspects: ICT risk management framework, major incident reporting, threat-led penetration testing, and third-party ICT service provider risk management. Added in commit 4762681.