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Embedding Behavioral Risk in Digital Banking Strategy
Unison helped a Singapore-based digital bank implement a modern BSM framework with IRRBB, MCO, and behavioral modeling to support its growth and regulatory requirements.
Embedding Behavioral Risk in Digital Banking Strategy
Client / Department
Our client was a newly launched digital bank operating under Singapore’s digital banking license. With a mobile-first model and lean staff, it aimed for rapid growth in retail and SME deposits. As it neared key regulatory thresholds, its finance and risk departments needed a robust infrastructure for liquidity forecasting and IRRBB sensitivity analysis. The bank’s back-end systems lacked integration, behavioral insights, and real-time reporting—creating challenges in meeting MAS compliance.
Problems
The client struggled with compliance and operational readiness.
- Disconnected data across core banking, GL, and treasury
- Manual, spreadsheet-based IRRBB and MCO reporting
- No behavioral models for NMDs, prepayments, or credit lines
- No behavioral models for NMDs, prepayments, or credit lines
- Weak governance for model traceability and audit readiness
Solutions
We led a full-stack BSM implementation for compliance and strategic planning.
- Integrated 100+ data attributes across core, GL, and treasury systems
- Built behavioral models for deposits, loans, and credit lines
- Automated IRRBB scenario simulations and MAS EVE/NII reports
- Embedded traceable regulatory templates with full data lineage
- Delivered real-time dashboards and ALM tools for treasury
Technology Stack
We combine modern infrastructure with proven risk platforms for scalable BSM.
Risk Platform
ETL Layer
Data Sources
Reporting
Behavioral Modeling
Infrastructure
Governance Tools
Achievements
The engagement delivered strategic, regulatory, and operational wins for the bank.