Datum for banking.
Datum accelerates the deployment of the data operating model in banking — with a Common Data Financial aligned with BIAN and a regulatory Business Layer ready for COREP, FINREP, BCBS 239 and IFRS 9. Production-ready in weeks, not quarters.
Banking data fails due to lack of model, not lack of technology.
Most institutions already have platforms, warehouses and reporting tools. What they lack is a data model that connects governance, quality, traceability and consumption sustainably.
Regulators require every risk data asset to have clear lineage, defined ownership and end-to-end traceability. Without a data governance model, compliance is manual, costly and fragile.
DORA extends resilience requirements to critical information systems. A governed data catalogue and an operational data continuity model are now requirements, not optional.
PD, LGD and EAD calculations depend on consistent, governed and auditable historical data. Data quality is directly model quality — and regulatory capital quality.
Different areas of the bank produce different versions of the same indicator. Without a common data model and a certified KPI layer, the management committee debates numbers instead of decisions.
How Datum is structured for banking.
Datum's architecture extends for banking with two explicit sector layers: a Common Data Financial aligned with BIAN and a Business Layer focused on regulatory reporting and calculation. We don't reinvent the architecture — we specialise it.
What it means for a bank
Core banking entities (customer, contract, operation, collateral, product) are modelled from day one aligned with BIAN. There is no intermediate step of "translating the generic CDM into banking" — the layer exists with that semantics.
COREP, FINREP, BCBS 239, IFRS 9 and risk aggregates are not monthly spreadsheets that the risk team rebuilds. They are governed data products, with lineage back to source, versioned and automatically reconciled.
Each layer has its own ownership: IT owns Landing and Operational, the Data Office governs Common Data and Business, and the business consumes from the catalogues. Governance reaches operations by design, not by goodwill.
What we address with Datum — and what we don't.
Banking is one of the most regulated sectors. We honestly distinguish which frameworks Datum covers as a technical foundation, which we partially align with and which remain the bank's responsibility.
Covered by Datum
Datum provides the real technical foundation (governance, lineage, quality, ownership, traceability) for these frameworks.
Partially aligned
Datum enables conformance; specific technical integration belongs to the bank.
Out of scope
We do not replace transactional engines or direct supervision. Let's be clear.
BIAN as the semantic map of banking data.
BIAN (Banking Industry Architecture Network) is the world reference standard for banking business architecture. It defines a catalogue of Service Domains representing universal banking capabilities. We use it as the semantic reference to design Datum's Common Data Financial.
Why BIAN matters in banking data governance
BIAN defines more than 300 Service Domains representing banking capabilities recognisable by any institution in the world: Customer Offer, Credit Management, Payment Order… It is the common language of the banking business.
It lets us structure the banking CDM aligned with how the industry actually operates, instead of inventing a proprietary model incompatible with the ecosystem.
A CIO, an enterprise architect or a top-tier consultant recognise BIAN as a shared reference. Speaking that language accelerates executive alignment.
A common model aligned with BIAN accelerates projects in other institutions. Less semantic reinvention per client, more focus on the real differentiator of the use case.
Service Domains we cover in Datum's CDM Financial
We don't cover all 300+ BIAN Service Domains. We cover the ones that support critical data for reporting, risk, customer, product and operations.
Data capabilities designed for the banking context.
Ownership model, policies, metadata and traceability aligned with BCBS 239, DORA and the requirements of the Bank of Spain / ECB.
Platform design with ingestion layers, financial Common Data Model, data quality and governed exploitation over hybrid environments.
Automation of quality, lineage and publication circuits for risk DWH, regulatory reporting and business analytics products.
Reusable banking entity frameworks: customer, contract, operation, risk, collateral — with BIAN semantics as reference.
Real projects in critical banking environments.
Accelerate Datum in your institution.
An initial assessment identifies the starting point, pilot domain and deployment model that fit best.