Why Bank CIOs Must Rethink IT Architecture - 10 Missing Links in the Banking IT Operating Model

Banks don’t break because systems fail — they break because the enterprise above those systems was never architected.

How ICMG Reads a Bank — The Anatomy Lens

Most banks explain problems using:

• organisational language (Retail vs Corporate vs Risk)

• technology language (Core vs LOS vs Channels)

• operational language (TAT, STP, reconciliation, incidents)

None of these reveal why problems persist.

ICMG reads a bank through anatomy lens:

15 Enterprise Functions (D1–D15) × 6 Architectural Perspectives (P1–P6).

• D1–D15 = Different functions of the bank (Retail, Corporate, Payments, Treasury, Risk, Compliance, CX, Finance, etc.)

• P1–P6 = how each part is designed, built, and run(Strategy → Process → System → Component → Implementation → Operations)

This single model exposes hidden issues that org-charts and IT portfolios cannot show.

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