Financial Data Silos Solved with Real-Time Risk Intelligence
Transform fragmented core banking, payment, and risk systems into unified financial intelligence and regulatory confidence.
Does This Sound Familiar?
CUSTOMER 360 FRAGMENTATION
Can you see a complete customer view—all accounts, loans, cards, investments—in one place? Can you calculate true CLV?
Data locked in silos (core banking, cards, wealth).
Single customer truth, unified profitability.
REAL-TIME FRAUD & RISK BLINDNESS
Can you detect anomalous transactions in real-time? Can you flag high-risk customers before losses occur?
Batch processing, next-day alerts, reactive.
Real-time risk scoring, proactive intervention.
REGULATORY REPORTING NIGHTMARE
Can you generate AML/CFT, BASEL III, or RBI compliance reports—on demand—without a 2-week scramble?
Manual data extraction, error-prone, slow.
Automated regulatory dashboards, audit-ready.
LOAN PORTFOLIO PERFORMANCE GUESSWORK
Which loan segments are most profitable? Which have the highest NPA risk? Which branches excel at collections?
Monthly reports, lagging indicators.
Daily portfolio analytics, predictive risk.
The cost isn't just operational inefficiency. It's regulatory fines (₹10-50 Crore per breach), fraud losses (1-2% of revenue), and the inability to compete with digital-first banks.
What Financial Data Fragmentation Costs You
| METRIC | BEFORE EDW | AFTER EDW | IMPACT |
|---|---|---|---|
| Fraud Detection Time | 24-48 hours | Real-time | 95% ↓ |
| Regulatory Report Prep | 2-3 weeks | 2 days | 85% ↓ |
| Customer 360 View | Impossible | Unified | Complete |
| NPA Prediction Accuracy | 60% | 85%+ | 40% ↑ |
| Cross-Sell Conversion | 2-3% | 8-12% | 300% ↑ |
| Manual Reporting Hours/Week | 60 hours | 6 hours | 90% ↓ |
ROI Example
For a bank with ₹10,000 crore AUM:
Reducing fraud losses from 1.5% to 0.5% = ₹100 crore annual savings
Improving cross-sell conversion = ₹50 crore incremental revenue
Time saved on reporting = 54 hours/week = 7 FTE equivalent
Typical EDW payback period: 14-18 months
Our Financial Services-Specific EDW Solution
1. CUSTOMER 360 DATA HUB
What We Build:
- •Unified customer master (all products)
- •Cross-product holdings & profitability
- •Customer lifetime value (CLV) calculation
- •Relationship depth scoring
- •Attrition risk prediction
Data Sources Integrated:
Core banking system (Finacle, Temenos, custom), Credit card systems, Loan management systems, Wealth management platforms, CRM & call center data
2. REAL-TIME FRAUD & RISK ENGINE
What We Build:
- •Transaction anomaly detection
- •Behavioral analytics (spending patterns)
- •Geolocation risk scoring
- •Velocity checks (multiple transactions)
- •Watchlist screening (AML/CFT)
Insights Delivered:
Real-time fraud alerts (API-driven), High-risk customer flagging, Transaction pattern deviations, Merchant fraud detection
3. REGULATORY COMPLIANCE DASHBOARDS
What We Build:
- •Automated AML/CFT reporting
- •BASEL III capital adequacy tracking
- •RBI compliance dashboards
- •KYC completeness monitoring
- •Suspicious transaction reporting (STR)
Compliance Coverage:
RBI guidelines (KYC, AML, CFT), BASEL III capital ratios, FATCA & CRS reporting, Audit trail for all data changes
4. LOAN PORTFOLIO & CREDIT ANALYTICS
What We Build:
- •Loan origination to closure tracking
- •NPA prediction models
- •Vintage analysis (loan performance by cohort)
- •Collection effectiveness tracking
- •Credit risk concentration analysis
Financial Impact:
Reduce NPAs through early intervention, Optimize loan pricing by risk segment, Improve collection recovery rates, Identify profitable loan segments
Role-Specific Intelligence for Every Stakeholder
Purpose-built dashboards for every decision-maker in your institution.
Dashboard 1: CEO / CFO Dashboard
Executive financial performance overview
NIM
3.42%
+0.18%
AUM
₹10,240Cr
+12.4%
NPA Ratio
2.1%
-0.3%
CAR (BASEL III)
14.2%
Compliant
NIM Trend (12M)
AUM Growth (Quarterly)
Capital Adequacy Ratio
Branch Profitability Heatmap
Mumbai-1
Delhi-2
Pune-3
Chennai-4
Hyd-5
Blr-6
Kol-7
Ahm-8
Jaipur-9
Lucknow-10
Surat-11
Nagpur-12
Dashboard 2: Risk & Compliance Dashboard
Real-time fraud, AML/CFT, and regulatory monitoring
Live Fraud Alerts
KYC Completeness
Credit Risk by Sector
AML Transaction Flags
| Account | Amount | Status |
|---|---|---|
| AC-****4421 | ₹18L | Flagged |
| AC-****8832 | ₹7.2L | Review |
| AC-****2291 | ₹32L | Flagged |
| AC-****5510 | ₹4.5L | Clear |
Dashboard 3: Retail Banking / Loan Operations
Loan portfolio health, collections, and cross-sell performance
Loan Book
₹2,840Cr
+8.2%
Collection Eff.
87%
+3%
Cross-sell Rate
8.4%
+2.1%
NPA (Gross)
2.1%
-0.4%
Loan Origination Funnel
NPA Vintage Cohort
Collection Efficiency
Secure, Compliant Architecture for Banking
Financial Services-Specific Considerations
DATA SECURITY & COMPLIANCE:
•PCI-DSS compliant (card data security)
•RBI data localization requirements (India)
•Encryption at rest & in transit (AES-256)
•Role-based access control (RBAC)
•Immutable audit logs (regulatory compliance)
RECOMMENDED STACK:
Cloud:
Azure or AWS (both RBI-compliant for India)
Warehouse:
Snowflake (with data masking for PII/PCI)
ETL:
Informatica PowerCenter (banking-proven)
BI:
Power BI or Qlik (regulatory reporting capabilities)
Governance:
Collibra (data lineage for audit trails)
Technology Partners
Microsoft Azure
Cloud
AWS
Cloud
Snowflake
Data Warehouse
Informatica
ETL / Integration
Power BI
Business Intelligence
Qlik
Analytics
Collibra
Data Governance
dbt
Data Transformation
How We Implement EDW for Financial Institutions
A structured, proven process from assessment to full adoption.
Banking Assessment
3–4 weeks- ✓Audit core banking, card, loan, wealth systems
- ✓Interview stakeholders (Risk, Compliance, Operations, IT)
- ✓Document regulatory requirements (RBI, BASEL, AML)
- ✓Identify critical KPIs (NIM, NPA, CAR, fraud rate)
Deliverable
Banking-Specific EDW Blueprint
Architecture
4 weeks- ✓Design customer 360 data model
- ✓Plan real-time fraud detection architecture
- ✓Configure security & access controls (RBAC)
- ✓Define data retention policies (regulatory)
Deliverable
RBI-Compliant Architecture
Build
14–18 weeks- ✓Integrate core banking system
- ✓Connect card & loan platforms
- ✓Build fraud detection engine
- ✓Implement regulatory reporting automation
Deliverable
Production EDW
Dashboards
6–8 weeks- ✓CEO/CFO executive dashboard
- ✓Risk & compliance dashboard
- ✓Retail banking/loan operations dashboard
- ✓Branch manager mobile app (optional)
Deliverable
Role-Based Financial Analytics
Validation & Support
Ongoing- ✓User acceptance testing (UAT)
- ✓Regulatory validation documentation
- ✓Team training (risk, operations, compliance)
- ✓24/7 support with SLA
Deliverable
Validated System + Ongoing Support
Ready to Transform Your Financial Data Architecture?
Schedule a financial services-specific assessment call.
We'll discuss:
- ✓Your customer 360 and cross-sell challenges
- ✓Fraud detection and risk management gaps
- ✓Regulatory compliance automation needs
- ✓Expected ROI for your institution size
30 minutes. Zero commitment.
Direct Contact
xxx@simaxsystems.com
Phone
xxx
Response time: Within 24 business hours
Available for new financial services engagements