Recent Bank Failures — Not a Tech Problem. An Anatomy Failure 💲

SVB Edition – A Six Perspective Diagnostic Using the ICMG Enterprise Anatomy Model

When the Enterprise Fails, It's Not the Tech Stack. It's the Structure Beneath It.

Between March and May of 2023, four institutions collapsed — Silicon Valley Bank, Signature Bank, Credit Suisse, and First Republic. All four had strong digital adoption. All had regulatory oversight. All claimed to have upgraded their architecture.

But none of them had a defined enterprise anatomy.

What failed wasn’t just treasury logic or deposit stability. What failed was the structural integration across the 15 core banking departments — and the absence of an enterprise-wide response framework built using the Six Perspectives.

Their AI underwriting models worked. Their mobile platforms worked. But there was no structural traceability between strategy, risk, customer behavior, treasury, and operations.

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