Case USA24: Why a Regional Bank Equated Target Operating Model Slides with Enterprise Architecture Design
- Sunil Dutt Jha
- Aug 11
- 1 min read
Updated: Oct 21
Overview:
This case is part of a 100-diagnostic series revealing presentation-based architecture illusions.
In regional banking, leadership rolled out “Target Operating Model” decks to unify channels and product flows. The slides impressed regulators and boards — yet no modeled enterprise anatomy backed them.
P1–P6 Insight Preview:
TOMs improved conceptual process alignment (P2) and roadmap clarity (P5), but lacked executable strategy (P1) and defined system behavior (P3).
Components (P4) stayed siloed; business + tech ops (P6) kept relying on workarounds.
Role Disconnects:
CEO: “Our TOM sets the future” — but execution collapses in practice.
CIO: “We have the vision documented” — but no integration pattern supports it.
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