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Why is data quality a persistent weakness in financial institutions?

Historical mergers, fragmented core systems, and manual overlays produce inconsistent and duplicated datasets. Legacy architecture complicates…

Historical mergers, fragmented core systems, and manual overlays produce inconsistent and duplicated datasets. Legacy architecture complicates standardisation.

Structural Causes

  • Multiple core platforms
  • M&A integration gaps
  • Spreadsheet-based workarounds
  • Inconsistent data definitions

Fintech firms, lacking historical debt, deploy cleaner architectures and faster AI integration.

References:
– Basel Committee on Banking Supervision, BCBS 239
– Deloitte, Core Modernisation in Banking

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Structural Causes

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