Insights — Value, Impact & Lessons Learned

Outcomes

Delivering Value & Impact

100%

Cloud-Native

Full migration from on-premise to Azure Landing Zone with SciKIQ Data Fabric

<500ms

Response Latency

Down from >2 seconds in legacy systems

IaC

First in Region

First to deploy SciKIQ Data Fabric with IaC (Terraform) in the region

3 BU

Business Units Served

GC, GE & Corporate with dedicated compute

Use Case Impact

#	Use Case	Business Problem	What Data Manager Does	Quantified Impact
1	Revenue Assurance & Leakage	Millions of transactions with complex fees; 5-8% revenue leakage	Single truth layer; de-duplicates; automates reconciliation across schemes, processors, cores & GL/ERP	PHP 1.65B/year recovering 1% of PHP 165.1B revenue
2	Real-Time Fraud & Auth	Peak latency causes timeouts and false declines; poor fraud data feeds	Real-time data spine; near real-time normalization, enrichment & routing; scales to billions/day	100-200ms reduction fewer timeouts, higher approval
3	Compliance & AML	Incomplete data for AML/KYC/PSD2/GDPR; slow manual lineage tracing	Governed data foundation; full lineage & audit; ISO 20022-ready messages	Days → Minutes AML investigation time
4	Legacy & Normalization	COBOL cores + modern APIs; IDs and formats differ across systems	Translation & normalization layer; conversion, validation, correlation & duplicate-detection	1-2% failure eliminated thousands of failed txns/day prevented
5	Dispute & Chargeback	Reconstructing txn journey across acquirers, schemes, processors; slow correlated logs	Single correlated timeline; rich metadata & audit; search APIs for case management	>400 staff-hrs/mo 30min → 5min per dispute
6	AI-Enabled Flows	No automated anomaly detection; manual billing error discovery	AI billing anomaly detection; accurate forecasting; quarantine abnormalities; real-time model fine-tuning	AI-Driven Prevention reduced billing errors & late payments

Takeaways

SciKIQ's cloud-agnostic deployment works across multi-cloud environments with peered routable IP VNETs
Restricting the Control Plane's firewall by DNS or IP address space helps limit exposure for the SciKIQ fabric layer

Decoupling business units, compute, and resources allows for agility, reduced dependency, and scalability
The Packaged Data Workspace, with bundled business capabilities, helps in managing dependencies and onboarding

A framework and metadata-driven approach helps scale the solution
Everything as configuration or code makes the solution declarative and maintainable
Leveraging Level Dependency Injection and Key Association Patterns addresses team dependencies
A collection of deployments worked well with the Iterate on Everything pattern
Azure CAFs Framework provides a foundation to build upon
Terraform is the preferred tool for cloud-agnostic and highly flexible IaC framework vs. Bicep or ARM

Resource quota limits with Microsoft need to be planned for certain services
SciKIQ compute and connector limits should be managed in accordance with cloud provider quotas
Specifically, Postgres and Cosmos have been shown to require careful quota planning

Technology

Cloud Platform

Azure Landing Zone SciKIQ Data Fabric Azure Data Factory EventHub Azure Monitor

Data & Storage

Storage Account (ADLS) MS-SQL DB Postgres Redis Cosmos DB

Infrastructure & DevOps

Terraform (CAFs) Airflow Key Vault Log Analytics Azure Active Directory

Security & Networking

Azure Firewall VNET / Subnet Virtual WAN DNS

Compute

Azure VM SciKIQ Compute Dedicated per BU

Common Services

Firewalls IP Address Mgmt Observability On-premise Networking

One Platform.

Every Banking Capability.