Regional Commercial Bank
Enterprise data lake powering real-time risk analytics for a commercial bank.
All case studiesA tier-1 commercial bank operating across 5 GCC countries with USD 45 billion in assets under management engaged Cydez Technologies to architect and deploy an enterprise data lake on Oracle Cloud Infrastructure. The bank's analytics infrastructure consisted of a 12-year-old Oracle data warehouse that processed overnight batch ETL jobs, delivering reports that were already stale by the time business users accessed them the next morning.
The bank needed real-time visibility into credit risk exposure, NPA early-warning indicators, branch performance, customer lifetime value, and regulatory reporting metrics across all 5 country operations. The existing infrastructure could not support the volume or velocity of data required — the core banking system alone generated 2.5 million transactions daily, supplemented by loan origination, trade finance, treasury, and CRM data streams.
Cydez deployed an OCI-based data lake architecture using Oracle Autonomous Data Warehouse, OCI GoldenGate for real-time change data capture from the core banking system, and MuleSoft for API-based integration with peripheral systems. Oracle Analytics Cloud provided the visualization layer with 85+ dashboards covering credit risk, branch performance, customer analytics, treasury operations, and regulatory reporting. Machine learning models for credit risk scoring and NPA prediction were built on OCI Data Science and integrated into the real-time decisioning pipeline.
- Enterprise data lake on OCI for 5 GCC countries
- Real-time CDC via OCI GoldenGate
- 85+ analytics dashboards on Oracle Analytics Cloud
- ML credit risk and NPA prediction models
- MuleSoft API integration with 8 source systems
- Regulatory reporting automation for 5 country regulators
A regional commercial bank with 200+ branches generated massive volumes of transactional, credit, and customer data daily — but analytics relied on overnight batch reports from a data warehouse built a decade ago. Risk officers and branch managers had no access to real-time portfolio visibility.
Cydez architected and deployed an enterprise data lake on OCI, ingesting data from the core banking system, loan origination platform, and CRM via MuleSoft integrations. Oracle Analytics Cloud dashboards provided real-time NPA monitoring, credit risk heat maps, branch performance scorecards, and regulatory reporting automation. Oracle GoldenGate enabled CDC-based real-time data replication.
How we delivered this project
Discovery
Conducted a 10-week data audit across 8 source systems in 5 countries. Cataloged 1,200+ data entities, mapped regulatory reporting requirements for each country's central bank, and benchmarked the existing data warehouse performance and cost structure.
Design
Architected the OCI data lake with Bronze-Silver-Gold medallion architecture. Designed the GoldenGate CDC topology for real-time core banking data replication. Created the semantic model for 85+ dashboards. Defined ML model specifications for credit risk and NPA prediction.
Development
Deployed OCI infrastructure across 2 regions. Built GoldenGate pipelines for real-time replication, MuleSoft integration flows for 8 source systems, OAC dashboards with row-level security by country, and ML models using OCI Data Science with Python and Oracle ML.
Launch
Migrated from legacy data warehouse in 3 phases by country cluster. Conducted parallel-run validation for 60 days. Trained 200+ business users across 5 countries. Decommissioned the legacy warehouse after 90 days of stable operation.
What we built
Real-Time Data Replication
OCI GoldenGate CDC pipelines capturing 2.5 million daily transactions from the core banking system with sub-second latency. Zero-downtime deployment with automatic failover.
Medallion Data Architecture
Bronze-Silver-Gold layered data lake architecture ensuring data lineage, quality validation, and governance. Automated data quality checks at each layer with exception reporting.
Credit Risk ML Models
Machine learning models for credit risk scoring and NPA prediction trained on 7 years of historical data. Real-time scoring integrated into the loan origination pipeline.
Multi-Country Dashboards
85+ Oracle Analytics Cloud dashboards with row-level security by country, role, and branch. Support for English and Arabic with currency-aware formatting for 5 GCC currencies.
Regulatory Automation
Automated regulatory report generation for 5 country central banks. Basel III compliance reporting, liquidity coverage ratio calculations, and large-exposure monitoring.
Cost Optimization
40% reduction in data infrastructure costs vs. the legacy data warehouse through OCI Autonomous Database auto-scaling and storage tiering.
Measurable outcomes
- Real-time NPA visibility reduced early-warning response time by 70%
- 200+ branch performance dashboards delivered to regional managers
- Regulatory reporting preparation time reduced from 5 days to 4 hours
- 40% reduction in data infrastructure costs vs. legacy data warehouse
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