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Banking verified Verified Outcome TRL 9

Autonomous Payments Platform Spin-Out

domain Client: Global Universal Bank handshake Provider: Internal Cloud Platform schedule Deploy: 2020-2024
89 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Tier 1

Executive Summary

ANALYST: COI RESEARCH

A global banking group consolidated its payments assets into an autonomous, cloud-native subsidiary designed to compete directly with fintech payment providers.

rate_review Analyst Verdict

"A bold structural move that unlocks scale and speed by separating payments innovation from traditional banking constraints."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Payments capabilities were fragmented across regions and legacy systems, preventing global scale and rapid innovation. This fragmentation limited competitiveness against API-first fintechs offering seamless, cross-border payment services.

psychology The Solution

The bank carved out payments operations into an independent platform with its own technology stack and governance. Operating as a standalone entity enabled faster product development, unified merchant acquiring, and expansion beyond the parent bank’s customer base.

settings_suggest Technical & Deployment Specs

Integrations
Card networks
Deployment Model
Cloud
Data Classification
Transaction Data
Estimated TCO / ROI
High
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Organizational Complexity Medium Clear governance separation

trending_up Impact Trajectory

Audited value realization curve

Double-digit payments revenue growth Verified Outcome
Primary KPIUnified global acquiring platform
Audit CycleFaster product launch cycles

policy Compliance & Gov

  • Standards: Global Payments Regulations
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Transaction Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Global Universal Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-378
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-378

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