Channels and workbenches
  ├─ Retail and business digital channels
  ├─ RM and operations workbench
  ├─ Contact-center and assisted-service interfaces
  ├─ Partner channels
  └─ Agent UI

AI runtime and control plane
  ├─ MCP gateway
  ├─ Policy engine
  ├─ Tool registry
  ├─ AI Shield
  └─ AI audit and evidence store

Core banking domain services
  ├─ Party and customer
  ├─ Agreements and entitlements
  ├─ Product factory, pricing, campaigns, experiments
  ├─ Arrangements and accounts
  ├─ Posting, balances, holds, and liquidity
  ├─ Lending origination, affordability, scoring, servicing
  ├─ Collateral, covenants, and conditions
  ├─ Cases, documents, tasks, notifications
  └─ Interaction history and workbench context

Shared control services
  ├─ Identity and access
  ├─ Approval orchestration
  ├─ Audit and immutable event log
  ├─ Reporting and reconciliation
  └─ Event streaming

External integrations
  ├─ KYC and KYB
  ├─ Sanctions and AML
  ├─ Payment rails
  ├─ Document signing
  ├─ Credit bureaus and open banking
  └─ CRM, DWH, and analytics