Banking IT Doesn’t Lack Execution — It Lacks the Architecture Above It.
- Sunil Dutt Jha

- 13 hours ago
- 2 min read

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.
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