Enterprise Intelligence

Most banks still treat Enterprise Architecture as an IT exercise, which is why EA efforts don’t change customer journeys, credit decisions, risk exposure, or operational outcomes. Bank EA ≠ Bank IT. This Director EA FAQ explains where traditional EA breaks down and how a true enterprise anatomy reveals the structure that IT alone cannot see, align, or repair. It explains logic of shadow anatomies, 12 banking use cases, and the One Bank One Anatomy™ advantage. Q1: Why do 180 I

Banking IT is not 90% P5. The real issue is: → 90% of what banks call “architecture” is actually IT execution. Not architecture. And because execution is happening —projects run, vendors deliver, systems go live, releases move —it creates the illusion that architecture exists.

From the outside, banking IT looks solid. Core banking runs. Everything looks implemented. But that is exactly the problem. Most banks operate with 90% of their architecture trapped inside P5 i.e. Implementation Tasks.

At ICMG, every failure —a delayed loan, a reconciliation mismatch, a failed payment, a fraud escalation, a false AML alert, a limit breach, a customer dispute —has a precise anatomical location: Which Enterprise Function (D1–D15)? Which Architectural Perspective (P1–P6)?

CIOs get blamed for IT symptoms that originate in business logic, process design, rule ownership, and component structure across D1–D15. Once the bank sees the enterprise through D1–D15 × P1–P6, blame disappears — ownership returns.