Retail Banking Regulations

A regulatory project to respond to Spanish Royal Decree-Law 19/2017, on basic payment accounts, transfer of payment accounts and comparability of commissions, for customers to be able to compare products more easily and move within the Union, benefiting from an internal market in the financial services field. This directive is intended to

The objective is “to establish common rules of the game for all credit institutions and payment service providers”.

We participated in the process of setting the functional requirements in terms of the products affected, customers (natural persons), level of application (at the “account” level) to ensure proper project execution. With that starting point, we carried out the analysis of the entity’s information platform to determine how to extract the information necessary for the report, requesting the necessary information that does not exist at source. To ensure that the information is correct and necessary for the report, sampling or sets of information specimens are taken with the users.

In the project context, the transformation is also modelled and implemented in PowerCenter, for development of the modelling processes to enable the commercial product, customer, commissions associated with each product in the application period, interest charged and paid, interest rates to be obtained, as well as the loading and extraction of information that is not on the platform. Our team creates final tables and defines the output and reporting structure. 

To ensure the performance of the developments, a recovery of the entire volume of information associated with an account (several customers associated with it) in one year needs to be addressed. Similarly included within the scope of the collaboration are the necessary technical and functional documentation for the developments, the execution of comprehensive testing, test documentation and troubleshooting.

Transfer of the information is carried out by consolidating the information obtained and it is loaded in final tables, downloading information from final table to flat file for transfer. Exploitation of the information is finalised in MicroStrategy with availability of information detail for customer queries, as well as the creation of reports for exploitation of the information in reporting.

SUCCESS STORIES

Nuestro cliente es una multinacional mexicana referente del sector de la venta y distribución de bebidas, con importante implantación en América y recientemente adquirida por un grupo estadounidense líder en el sector. En su proceso de optimización continua ha emprendido…

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Within our context as a benchmark technology partner in the Data field in the Corporate Investment Banking area for one of the leading Spanish financial institutions operating in the principal markets globally; a collaborative technology approach is being developed to…

In the context of the implementation of a risk-based supervisory methodology known as the Comprehensive Supervisory Framework (MIS for its initials in Spanish), we collaborated with a leading Spanish financial institution to integrate the risks that could affect the institution and enable the…

In this field, we are involved in major Big Data lake developments, where the main users are the regulatory and risk departments associated with the growing need in the area to comply with the various standards and regulatory frameworks demanded…

PSD2 is a European regulation on digital payment services. This system facilitates payments throughout Europe with greater security as well as offering a banking service adapted to new technologies. With it, the importance that the world of 'APIS' or 'Application…

A regulatory project to respond to Spanish Royal Decree-Law 19/2017, on basic payment accounts, transfer of payment accounts and comparability of commissions, for customers to be able to compare products more easily and move within the Union, benefiting from an internal…

Construction of Global Platform for one of the leading banks in the Spanish market. The system has to enable generation of reports (pdfs, ppts, msgs) to the Bank’s executive layer from a monolithic application-based pipeline with django as the framework.The project primarily…

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We are the primary Big Data platform partner to one of the leading global financial institutions in technology. In the framework of our collaboration, the various group entities are provided with an infrastructure with the data necessary to build the…

Within financial institutions, the Data Units or Information Systems areas develop reports and scorecards to facilitate user areas’ work. Once the reports are in production, a security and governance framework needs to be established that defines the permissions for access…

The scenario of banking concentration in Europe and Spain, with the resulting mergers and acquisitions, has forced financial institutions to revisit their risk metrics systems. In this context, Bluetab has been involved with one of the leading banks in the Spanish…

One of the leading Financial Institutions in the Spanish domestic market decided to perform a split of the services of its new information platform with the aim of ensuring technical-functional understanding of the various layers, as well as to ensure…

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Within the digital transformation process, the option was taken to build a Data Lake to serve various departments in a cross-cutting manner. Bluetab has developed a Data Lake in AWS for a leading Spanish energy companies, which gets its data…