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Banking verified Verified Outcome TRL 9

Cloud-First Digital Core Implementation

domain Client: Canadian Challenger Bank handshake Provider: Microsoft Azure / Temenos schedule Deploy: 2019-2023
91 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The institution became the first bank in its market to migrate its entire core banking system to the public cloud, enabling a purely digital, branchless operating model.

rate_review Analyst Verdict

"Infrastructure efficiency leader. By eliminating branches and on-premise data centers simultaneously, the bank achieves an efficiency ratio significantly better than the incumbents, allowing it to offer higher interest rates to depositors."

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

warning The Challenge

As a digital challenger entering a market dominated by entrenched incumbents, the bank needed to minimize operating costs to offer competitive rates. Maintaining on-premise data centers for its core banking system would have created a high fixed-cost base and limited the agility needed to scale rapidly during deposit campaigns.

psychology The Solution

The organization migrated its core banking software to Microsoft Azure. This transition made it the first schedule I bank in the country to be fully hosted in the public cloud. The architecture utilizes cloud-native scalability to handle massive traffic spikes during product launches without over-provisioning hardware.

settings_suggest Technical & Deployment Specs

Integrations
Temenos
Deployment Model
Public Cloud
Data Classification
All
Estimated TCO / ROI
Low
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Cloud Outage Medium Redundant zones

trending_up Impact Trajectory

Audited value realization curve

100% cloud-hosted core Verified Outcome
Primary KPIRecord deposit growth
Audit CycleIndustry-low efficiency ratio

policy Compliance & Gov

  • Standards: OSFI (Canada)
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: All

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 Canadian Challenger Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-438
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-438

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