Bank Architecture
Eighth floor
Human Resource ManagementSeventh Floor
Cybersecurity and Access ControlSixth floor
Compliance and Anti-FraudFifth floor
Financial analytics and reportingThird Floor
Banking risk managementThird floor
Customer Relationship ManagementSecond Floor
Customer Interaction ChannelsFirst floor
Payment systems and treasuryФундамент банка
Major banking systemsLayers of Technology — A Complete Overview of Banking Architecture
Build the future of your bank, step by step, with modern technological solutions. Discover an architecture where every system has its place and role in the development of your business.
“Layers of Technology is a unique perspective on a bank’s IT architecture in the form of a multi-level tower. Each layer symbolizes a certain level of digital transformation and technological infrastructure necessary for the stable operation and growth of the bank. This structure allows banks to easily navigate modern solutions, understand their role, and choose the best tools for their needs.”
Major banking systems
Foundation! These are the main banking systems that ensure the reliability and efficiency of the bank. They automate the most important operations, optimize resources and help the bank to be stable and competitive.
Payment systems and treasury
The first floor! These are payment systems and treasury, ensuring the efficiency and security of financial transactions. These solutions allow the bank to effectively manage payments and cash flows, guaranteeing stability and customer satisfaction.
Customer Interaction Channels
The second floor! This is the level where the client’s first and main impression of the bank is formed. Digital and physical service channels — online banking, mobile applications, ATMs and call centers — become the face of the bank. This architectural floor is critically important because it is through it that the client interacts with the bank on a daily basis. Loyalty, trust and the willingness of clients to use the services again and again depend on its quality.
Customer Relationship Management
The third floor! This is not just a CRM, but a full-fledged relationship management ecosystem, including digital onboarding, loyalty programs, analytics, behavioral and emotional data. This is where the foundation for trusting and valuable relationships with customers is built.
Banking risk management
Fourth floor! This is the core of risk analytics, covering credit, market, operational and strategic threats. Here, decisions are made that protect the bank from losses and strengthen its resilience even in times of crisis.
Financial analytics and reporting
The fifth floor! This is the center of analytics and transparency, where management decisions are born based on data. BI, DWH, predictive analytics and reporting help the bank see the future and confidently manage the present.
Compliance and Anti-Fraud
The sixth floor! This is the level of control, transparency and protection. Anti-fraud systems, sanctions monitoring and compliance work here, which make the bank a reliable partner and a respected player in the market.
Cybersecurity and Access Control
A digital platform offering cybersecurity, monitoring, incident response, and security compliance solutions.
Human Resource Management
The eighth floor! This is the level where a strong team and corporate culture are formed. HR systems, training, talent management and communications create a stable human foundation for a digital bank.