Industry — Banking

Regulated Data.
Commercial Advantage.
One Platform.

CALIGO builds the data infrastructure that keeps banks compliant, competitive, and in control of their data — from risk aggregation and regulatory reporting to customer analytics and AI-powered credit decisioning.

BCBS 239IFRS 9 / ECLCOREP / FINREPBasel IVAML / CFTCredit ScoringCustomer 360ALMFraud Detection
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CALIGO in Banking
10+
Years in banking data
50+
Banking engagements
6
Regulatory frameworks covered
60%
Design time saved with Banking DWH Model
Core Capabilities
BCBS 239 risk data aggregation
IFRS 9 ECL data platform
COREP / FINREP automation
AML & financial crime analytics
Customer 360 & cross-sell analytics
Credit scoring & alternative data
Industry Challenges

Banking Data Is Regulated, Fragmented, and Mission-Critical.

Banks operate at the intersection of the most demanding data requirements in any industry — real-time regulatory reporting, credit risk modelling, AML monitoring, customer analytics, and core banking operations — all running on data that was often designed for transaction processing, not analytical or regulatory use.

The pressure is compounding. BCBS 239 attestation demands data accuracy and lineage that most banks cannot demonstrate fully. IFRS 9 model reviews expose ECL calculation pipelines built on inconsistent inputs. Basel IV is creating new capital reporting requirements that legacy architectures struggle to absorb. And commercial teams want the same customer intelligence that fintechs build natively.

BCBS 239 Attestation Gaps
Risk data lineage and accuracy controls are inadequate for regulatory attestation — manual processes compensate for structural data quality failures.
IFRS 9 ECL on Unreliable Inputs
ECL calculations depend on PD/LGD/EAD inputs sourced inconsistently across loan portfolios — model accuracy is undermined by data, not methodology.
COREP Submissions Require Manual Effort
Regulatory report production involves weeks of manual data preparation — a structural problem that only worsens as reporting frequency increases.
Customer Data Fragmented Across Systems
Core banking, CRM, channels, and digital are not integrated — customer 360 and next best offer are impossible without a unified data layer.
AML Models on Stale Data
Transaction monitoring systems process data in batch cycles that are too slow for the fraud and financial crime patterns regulators expect banks to detect in real time.
How CALIGO Helps

From Regulatory Obligation to Competitive Advantage.

We treat regulatory and commercial data as two outputs of the same well-engineered platform — not separate projects with separate teams.

01
Data Foundation First
We design the unified banking data platform — aligned to your source systems, regulatory obligations, and cloud environment — using our pre-built Banking DWH Model to compress the design phase.
02
Regulatory Layer Built In
BCBS 239 risk data aggregation, IFRS 9 staging and ECL inputs, COREP and FINREP report structures are built into the architecture from day one — not retrofitted as an afterthought.
03
Commercial Intelligence Layer
The customer analytics layer — Customer 360, churn scoring, CLV, next best offer — is built on the same governed data platform, sharing the same data quality and lineage controls.
04
AI & Credit Models in Production
Credit scoring, fraud detection, and AML models are deployed to production environments — with MLOps monitoring and automated retraining ensuring accuracy over time.
05
Operate & Maintain
DataOps and 24/7 managed operations keep regulatory pipelines running to SLA — so month-end and regulatory submission cycles are managed events, not crises.
06
Evolve with Regulation
When Basel IV, DORA, or local regulatory changes arrive, the architecture absorbs them as configuration changes — not re-engineering projects.
Relevant Solutions

What We Build
for Banking.

Data Platform & Engineering
Cloud-native DWH and lakehouse architecture for banking — serving regulatory, analytical, and AI workloads from a single governed platform.
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Regulatory & Risk Analytics
BCBS 239, IFRS 9 ECL, COREP/FINREP, Pillar 3, AML — end-to-end regulatory data infrastructure with automated lineage and quality controls.
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Customer & Commercial Analytics
Customer 360, churn prediction, CLV, next best offer, and campaign analytics — built on a unified customer data model for retail and SME banking.
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AI & Advanced Analytics
Credit scoring, fraud detection at transaction scale, and AML network models — deployed in production with MLOps discipline.
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Data Governance & Operating Model
Data ownership, governance framework, business glossary, and data lineage — making regulatory data trustworthy and auditable.
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DataOps & Platform Operations
Pipeline monitoring, SLA management, and 24/7 incident response — keeping regulatory reporting pipelines running to submission deadline.
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Use Cases

Outcomes We've Delivered
in Banking.

Every outcome was measured against a control or baseline. These are real results from banking engagements — not modelled projections.

Banking · Austria · Regulatory
Basel IV & COREP Compliance Platform in 14 Weeks
A major Austrian bank had no unified data layer for COREP reporting. CALIGO deployed the Banking DWH Model, built the regulatory transformation layer, and delivered a compliant, auditable platform.
First submission: zero regulatory findings
Banking · Credit Risk
IFRS 9 Provisioning Cycle: 5 Days to Overnight
Manual IFRS 9 provisioning took 5 days per cycle due to data preparation overhead. CALIGO built a dedicated ECL data platform with automated staging and consistent model inputs.
Provisioning cycle reduced from 5 days to overnight
Banking · Commercial
Next Best Offer Engine — Cross-sell Revenue +18%
A retail bank built propensity models for 12 product categories on a unified customer data platform — personalised recommendations deployed to 2.3M customers via CRM integration.
Cross-sell revenue increased 18% in first 6 months
Banking · Financial Crime
AML Transaction Monitoring at Scale
A bank needed to monitor 10M+ daily transactions with regulatory-grade audit trails. CALIGO built the transaction data model, real-time enrichment pipeline, and SAR management workflow.
False positive rate reduced 41%; audit trail automated
Banking · Turkey · Data
Şekerbank — Alternative Credit Scoring Model
Şekerbank partnered with CALIGO to build an alternative credit scoring model using transactional behaviour and cash flow patterns — expanding approvals to customers with thin bureau files.
18% approval rate increase with no change in realised default rate
Banking · Regulatory
BCBS 239 Attestation — Manual Reconciliation Eliminated
A large bank spent weeks before each regulatory submission manually reconciling risk data. CALIGO implemented governance controls and automated lineage — attestation signed off without manual reconciliation.
Submission time reduced from 3 weeks to 3 days
Accelerators

Pre-Built Assets for
Banking.

Industry-specific data models and frameworks that reduce delivery time by up to 60% — built from Banking engagements, ready to adapt to your systems.

Banking
Banking Data Warehouse Model
Pre-built dimensional model covering retail, corporate, and treasury banking with full regulatory layer — BCBS 239, IFRS 9, COREP. 300+ entities, 200+ DQ rules.
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Framework
Data Maturity Assessment
8-dimension assessment producing a scored baseline, peer benchmark, and prioritised transformation roadmap — delivered in 3–4 weeks. The starting point for every banking engagement.
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Framework
Data Operating Model Framework
Governance council design, stewardship roles, policy templates, and KPI framework — pre-built for banking organisations and embeddable within 90 days.
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Regulated Data. Done Right.
CALIGO has delivered banking data platforms, regulatory reporting solutions, and credit analytics across Turkey, Austria, and the wider region. Talk to a practitioner who knows your regulatory context.
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