AWS Certified Cloud Practitioner

Explanation

AWS Organizations is the correct answer because it provides the following key features:

• Centralized Account Management: Allows you to create and manage multiple AWS accounts from a single master account
• Consolidated Billing: Combines billing across all accounts in the organization into a single bill
• Policy-Based Management: Enables you to apply service control policies (SCPs) across multiple accounts
• Hierarchical Structure: Supports creating organizational units (OUs) to group accounts logically

Why the other options are incorrect:

• AWS Cost Explorer: A tool for analyzing and visualizing AWS costs and usage, but doesn't provide account management or consolidated billing capabilities
• AWS Billing and Cost Management: Provides billing information and cost management tools for individual accounts, but doesn't offer centralized multi-account management
• AWS Budgets: Helps set custom budgets to track costs and usage, but doesn't provide account management or consolidated billing features

For a financial company needing both centralized account management and consolidated billing, AWS Organizations is the appropriate service that addresses both requirements simultaneously.