Ayana Consulting

The Architecture of Better Banking

Banking IT Consulting

Digital Banking & Channels: Developing and integrating omnichannel experiences (Mobile Banking, Internet Banking, API Banking).

Cybersecurity & Resilience: Protecting critical financial data and ensuring systems are secure and always available. Includes MAS TRM/G guidance.

Data & Analytics: Leveraging Big Data, AI, and ML for customer insights, risk management, and personalized banking.

Payments & FinTech Integration: Advising on and implementing real-time payments, cross-border solutions, and partnering with FinTechs.

Management Consulting

Digital Transformation Strategy: Creating the roadmap for your bank’s digital future.

Operations & Process Optimization: Streamlining back-office and middle-office functions for efficiency and cost reduction.

Risk & Compliance Management: Helping to build robust frameworks for operational, credit, and market risk in line with MAS regulations.

Technology Operating Model: Designing and optimizing the IT organization, governance, and agile delivery processes.

Driving Performance in Banking & Technology Banking & Technology

Our Proven Consulting Process

We have refined this approach over years of partnering with financial institutions in Singapore and across Asia, ensuring we address both your strategic ambitions and operational realities.

Our 5-Phase Engagement Model:

1. Discover & Diagnose

  • Objective: To achieve a deep, mutual understanding of your unique challenges, opportunities, and constraints.
  • Our Activities:
    • Stakeholder Immersion: In-depth workshops and interviews with key personnel from business, IT, and compliance teams.
    • Current State Assessment: A thorough analysis of your existing technology architecture, operational processes, and pain points.
    • Regulatory Landscape Review: Evaluating the impact of relevant MAS guidelines and regional regulations on your goals.
  • Deliverable: A joint Strategic Findings & Opportunity Report, providing a clear-eyed diagnosis and outlining potential pathways forward.

2. Strategize & Architect

  • Objective: To co-create a robust, future-proof blueprint for success.
  • Our Activities:
    • Solution Design: Translating discovery insights into a detailed solution architecture, whether for a new digital channel, core system upgrade, or operational model.
    • Roadmap Development: Creating a phased, pragmatic implementation roadmap with clear milestones, dependencies, and investment requirements.
    • Value Case Articulation: Defining the key performance indicators (KPIs) and return on investment (ROI) metrics that will measure success.
  • Deliverable: A comprehensive Target Operating Model & Implementation Roadmap, endorsed by all key stakeholders.

3. Execute & Collaborate

  • Objective: To bring the strategy to life with precision, agility, and minimal disruption to your business.
  • Our Activities:
    • Agile Delivery Management: Implementing the solution using best-practice project management (Agile or Hybrid) to ensure adaptability and continuous progress.
    • Expert Resource Deployment: Our seasoned consultants integrate with your teams, providing hands-on expertise in technology, change management, and banking processes.
    • Transparent Communication: Providing regular, candid progress updates and health checks to maintain full visibility and alignment.
  • Deliverable: A working, tested solution delivered in iterative cycles, alongside ongoing project governance and status reporting.

4. Optimize & Transition

  • Objective: To ensure the solution is fully stabilized, optimized for performance, and seamlessly integrated into your organization.
  • Our Activities:
    • Performance Tuning & Testing: Rigorous load testing, user acceptance testing (UAT), and security validation to ensure stability and scalability.
    • Knowledge Transfer & Training: Equipping your internal teams with the skills and documentation needed to sustain and evolve the new system or process.
    • Operational Handover: A structured transition plan to move from project mode to business-as-usual operations.
  • Deliverable: Full operational ownership transferred to your team, supported by comprehensive documentation and training materials.

5. Scale & Evolve

  • Objective: To partner with you on the ongoing journey of innovation and improvement.
  • Our Activities:
    • Performance Review: Analyzing post-implementation KPIs against the original value case to measure and validate results.
    • Continuous Improvement: Identifying new opportunities to enhance and scale the solution as your business and the market evolve.
    • Strategic Partnership: Acting as your ongoing trusted advisor for future initiatives, leveraging our deep institutional knowledge of your environment.
  • Deliverable: An ongoing partnership for sustained growth and a plan for future evolution.



Your Banking & IT Strategy, Realised

Collaborative by Design: We work with you, not just for you, ensuring ownership and buy-in across your organization.

Tailored, Not Templated: While our framework is proven, we adapt the specifics of each phase to fit your unique context and culture.

Focused on Value Realization: Every activity is tied back to the business outcomes and ROI defined at the start, ensuring we deliver more than just a project—we deliver value.