Banking and financial services

The functions every banking and financial services company runs on. It has no schema of its own: companies here are mapped on the Financial services schema, and what it does not cover is recorded as gaps.

Baseline: Financial services v2
Inherited from: Financial services
Mapped on the schema: 0 of 0 placed here
Primitives: 57 in 8 parts
Last updated: 3 Nov 2026

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Focused research on the organizations with the fewest mapped parts in banking and financial services; what it finds is public for everyone.

Below itCredit unions Cooperative banks

How automatable each primitive is, estimated from the 1,150 organizations mapped in public on the Financial services schema, which this industry inherits: the share of those with the primitive that run it on software. Estimate from public data: the share of mapped organizations that run this on software. Not a recommendation.

LevelAll57 High4 Medium31 Low22

Primitive	Layer	Automation	Peers on software	Software parts named most
Products and target clients Demand: winning customers	Decisions	LowLayer only	2 of 1,150 mapped; too few to read	—
Lead sources and referral partners Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan officers and advisers Demand: winning customers	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Rates, fees and spreads Demand: winning customers	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Rate quotes and proposals Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan and client agreements Demand: winning customers	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Origination Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Product design Supply: making or delivering the offer	Process	MediumLayer only	2 of 1,150 mapped; too few to read	AI-Powered (2), Communications Interception (1), Facial Recognition (1)
Planning and scheduling Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Procurement Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Suppliers and partners Supply: making or delivering the offer	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Client service delivery Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Quality control and file review Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan book and assets under management Supply: making or delivering the offer	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Logistics and fulfilment Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Underwriting Supply: making or delivering the offer	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Servicing Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Portfolio management Supply: making or delivering the offer	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Custody and safekeeping Supply: making or delivering the offer	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client onboarding Customers: keeping them	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client service Customers: keeping them	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Account management Customers: keeping them	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Client records Customers: keeping them	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client retention Customers: keeping them	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Fee billing Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Collections and recoveries Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Payments and payables Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Payroll Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Accounting and close Money: getting paid and paying	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Budgeting and forecasting Money: getting paid and paying	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Funding and liquidity Money: getting paid and paying	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Commissions and trails Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Capital and funding lines Money: getting paid and paying	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Org structure People: who does the work	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Hiring People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Onboarding and training People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Performance and pay People: who does the work	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Scheduling and capacity People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Policies and culture People: who does the work	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Core system of record Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Communication tools Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Integrations Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Reporting and dashboards Systems: tools and data	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Data management Systems: tools and data	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Security and fraud controls Systems: tools and data	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Charters and licences Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Regulatory compliance and examinations Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Insurance and risk Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Disclosures and records Control: rules the company runs under	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Health, safety and environment Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Credit and portfolio risk Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Identity checks and anti-money-laundering Control: rules the company runs under	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Regulatory reporting Control: rules the company runs under	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Strategy and goals Direction: deciding where it goes	Decisions	LowEstimate	0 of 1148 on software	—
Credit and investment committees Direction: deciding where it goes	Decisions	LowLayer only	1 of 1,150 mapped; too few to read	—
Management cadence Direction: deciding where it goes	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Learning and improvement Direction: deciding where it goes	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—

The rule, the same for every industry: with 5 or more organizations having the primitive, 50% or more of them on software is high, 20% or more medium, below that low. With fewer, the level rests on the primitive's layer alone and says "Layer only". Software parts are counted once per organization; a detected technology is named by its product. See the blueprint for which organizations run each.

LevelAll57 High4 Medium31 Low22

Primitive	Layer	Automation	Peers on software	Software parts named most
Products and target clients Demand: winning customers	Decisions	LowLayer only	2 of 1,150 mapped; too few to read	—
Lead sources and referral partners Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan officers and advisers Demand: winning customers	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Rates, fees and spreads Demand: winning customers	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Rate quotes and proposals Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan and client agreements Demand: winning customers	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Origination Demand: winning customers	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Product design Supply: making or delivering the offer	Process	MediumLayer only	2 of 1,150 mapped; too few to read	AI-Powered (2), Communications Interception (1), Facial Recognition (1)
Planning and scheduling Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Procurement Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Suppliers and partners Supply: making or delivering the offer	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Client service delivery Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Quality control and file review Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Loan book and assets under management Supply: making or delivering the offer	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Logistics and fulfilment Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Underwriting Supply: making or delivering the offer	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Servicing Supply: making or delivering the offer	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Portfolio management Supply: making or delivering the offer	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Custody and safekeeping Supply: making or delivering the offer	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client onboarding Customers: keeping them	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client service Customers: keeping them	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Account management Customers: keeping them	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Client records Customers: keeping them	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Client retention Customers: keeping them	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Fee billing Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Collections and recoveries Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Payments and payables Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Payroll Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Accounting and close Money: getting paid and paying	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Budgeting and forecasting Money: getting paid and paying	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Funding and liquidity Money: getting paid and paying	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Commissions and trails Money: getting paid and paying	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Capital and funding lines Money: getting paid and paying	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Org structure People: who does the work	People	LowLayer only	0 of 1,150 mapped; too few to read	—
Hiring People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Onboarding and training People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Performance and pay People: who does the work	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Scheduling and capacity People: who does the work	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Policies and culture People: who does the work	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Core system of record Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Communication tools Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Integrations Systems: tools and data	Software	HighLayer only	0 of 1,150 mapped; too few to read	—
Reporting and dashboards Systems: tools and data	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Data management Systems: tools and data	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Security and fraud controls Systems: tools and data	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Charters and licences Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Regulatory compliance and examinations Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Insurance and risk Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Disclosures and records Control: rules the company runs under	Data	MediumLayer only	0 of 1,150 mapped; too few to read	—
Health, safety and environment Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Credit and portfolio risk Control: rules the company runs under	Decisions	LowLayer only	0 of 1,150 mapped; too few to read	—
Identity checks and anti-money-laundering Control: rules the company runs under	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Regulatory reporting Control: rules the company runs under	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Strategy and goals Direction: deciding where it goes	Decisions	LowEstimate	0 of 1148 on software	—
Credit and investment committees Direction: deciding where it goes	Decisions	LowLayer only	1 of 1,150 mapped; too few to read	—
Management cadence Direction: deciding where it goes	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—
Learning and improvement Direction: deciding where it goes	Process	MediumLayer only	0 of 1,150 mapped; too few to read	—