@prefix owl: . @prefix rdf: . @prefix rdfs: . @prefix xsd: . @prefix skos: . @prefix dcterms: . @prefix arch: . @prefix togaf: . @prefix togafvp: . @prefix : . ################################################################# # Model Declaration ################################################################# :AtlasModel a arch:Model ; skos:prefLabel "Atlas Global Bank — Enterprise Architecture Model"@en ; arch:modelConformsToMetamodel ; dcterms:created "2025-06-27"^^xsd:date ; dcterms:creator "Kalin Maldzhanski"^^xsd:string ; dcterms:description "TOGAF 10 enterprise architecture model for Atlas Global Bank — a multinational financial services group executing a cloud-first digital transformation."@en ; . ################################################################# # Motivation ################################################################# :CloudFirstPrinciple a togaf:Principle ; skos:prefLabel "Cloud-First Principle"@en ; skos:definition "All new systems must be deployed on cloud infrastructure unless regulatory constraints prevent it."@en ; . :DataSovereigntyPrinciple a togaf:Principle ; skos:prefLabel "Data Sovereignty Principle"@en ; skos:definition "Customer data must reside within the jurisdiction of the customer's domicile."@en ; . :PSD2Compliance a togaf:Requirement ; skos:prefLabel "PSD2 Open Banking Compliance"@en ; skos:definition "All payment services must expose APIs compliant with PSD2 directive by Q4 2026."@en ; . :BaselIVCapital a togaf:Requirement ; skos:prefLabel "Basel IV Capital Requirements"@en ; skos:definition "Risk-weighted asset calculations must comply with Basel IV final framework."@en ; . :DigitalDisruption a togaf:Driver ; skos:prefLabel "Digital Disruption from Neobanks"@en ; skos:definition "Challenger banks capturing 15% of retail deposits in key markets."@en ; . :RegulatoryPressure a togaf:Driver ; skos:prefLabel "Increasing Regulatory Pressure"@en ; skos:definition "Growing compliance burden from PSD2, Basel IV, DORA, and national regulators."@en ; . :ReduceTimeToMarket a togaf:Goal ; skos:prefLabel "Reduce Time-to-Market"@en ; skos:definition "Reduce product launch cycle from 18 months to 3 months by 2027."@en ; . :ImproveCustomerExperience a togaf:Goal ; skos:prefLabel "Improve Digital Customer Experience"@en ; skos:definition "Achieve top-quartile NPS score across all digital channels by 2027."@en ; . :ReduceOperationalCost a togaf:Objective ; skos:prefLabel "Reduce IT Operating Cost by 30%"@en ; skos:definition "Achieve 30% reduction in IT run cost through cloud migration and decommissioning legacy by 2028."@en ; . ################################################################# # Business Architecture ################################################################# :RetailBanking a togaf:OrganizationUnit ; skos:prefLabel "Retail Banking Division"@en ; skos:definition "Division serving 12 million individual customers across 20 markets."@en ; . :CorporateBanking a togaf:OrganizationUnit ; skos:prefLabel "Corporate Banking Division"@en ; skos:definition "Division serving 50,000 corporate and institutional clients."@en ; . :WealthManagement a togaf:OrganizationUnit ; skos:prefLabel "Wealth Management Division"@en ; skos:definition "Division managing EUR 180 billion in assets for high-net-worth clients."@en ; . :PaymentProcessing a togaf:BusinessCapability ; skos:prefLabel "Payment Processing"@en ; skos:definition "The ability to execute, clear, and settle payment transactions across all channels and payment schemes."@en ; . :LendingCapability a togaf:BusinessCapability ; skos:prefLabel "Lending"@en ; skos:definition "The ability to originate, underwrite, disburse, and service loans across retail and corporate segments."@en ; . :RiskManagementCapability a togaf:BusinessCapability ; skos:prefLabel "Risk Management"@en ; skos:definition "The ability to identify, measure, monitor, and mitigate credit, market, and operational risks."@en ; . :CustomerOnboarding a togaf:BusinessCapability ; skos:prefLabel "Customer Onboarding"@en ; skos:definition "The ability to acquire new customers through KYC, identity verification, and account opening."@en ; . :LoanOrigination a togaf:Process ; skos:prefLabel "Loan Origination Process"@en ; skos:definition "End-to-end process from application through credit assessment, approval, to disbursement."@en ; . :PaymentExecution a togaf:Process ; skos:prefLabel "Payment Execution Process"@en ; skos:definition "Process of validating, routing, clearing, and settling payment instructions."@en ; . :AccountManagementService a togaf:BusinessService ; skos:prefLabel "Account Management Service"@en ; skos:definition "Service enabling customers to open, manage, and close accounts across all channels."@en ; . :PaymentService a togaf:BusinessService ; skos:prefLabel "Payment Service"@en ; skos:definition "Service enabling customers to initiate and receive payments domestically and internationally."@en ; . :CustomerData a togaf:BusinessInformation ; skos:prefLabel "Customer Master Data"@en ; skos:definition "Core customer identity, KYC, and relationship data across all products."@en ; . ################################################################# # Data Architecture ################################################################# :CustomerEntity a togaf:DataEntity ; skos:prefLabel "Customer"@en ; skos:definition "A person or organisation that holds or applies for banking products."@en ; . :AccountEntity a togaf:DataEntity ; skos:prefLabel "Account"@en ; skos:definition "A financial account holding a balance and recording transactions."@en ; . :TransactionEntity a togaf:DataEntity ; skos:prefLabel "Transaction"@en ; skos:definition "A financial operation that changes the balance of one or more accounts."@en ; . :LoanEntity a togaf:DataEntity ; skos:prefLabel "Loan"@en ; skos:definition "A credit facility with principal, interest rate, term, and repayment schedule."@en ; . ################################################################# # Application Architecture ################################################################# :CoreBankingLogical a togaf:LogicalApplicationComponent ; skos:prefLabel "Core Banking System (Logical)"@en ; skos:definition "Logical application managing accounts, transactions, and product lifecycle."@en ; . :CoreBankingPhysical a togaf:PhysicalApplicationComponent ; skos:prefLabel "Temenos Transact"@en ; skos:definition "Physical realisation of core banking on Temenos Transact platform deployed on AWS."@en ; . :PaymentHubLogical a togaf:LogicalApplicationComponent ; skos:prefLabel "Payment Hub (Logical)"@en ; skos:definition "Logical application orchestrating payment processing across all schemes and channels."@en ; . :PaymentHubPhysical a togaf:PhysicalApplicationComponent ; skos:prefLabel "Finastra Payment Hub"@en ; skos:definition "Physical realisation of payment processing on Finastra Global PAYplus."@en ; . :OpenBankingAPI a togaf:ApplicationService ; skos:prefLabel "Open Banking API Gateway"@en ; skos:definition "PSD2-compliant API gateway exposing account and payment services to third parties."@en ; . :MobileBankingApp a togaf:ApplicationService ; skos:prefLabel "Mobile Banking Application"@en ; skos:definition "Customer-facing mobile application for account management, payments, and lending."@en ; . :RiskEngine a togaf:ApplicationService ; skos:prefLabel "Risk Calculation Engine"@en ; skos:definition "Real-time risk scoring and capital calculation service for Basel IV compliance."@en ; . ################################################################# # Technology Architecture ################################################################# :AWSPlatform a togaf:PhysicalTechnologyComponent ; skos:prefLabel "AWS EU (Frankfurt)"@en ; skos:definition "Amazon Web Services EU-Central-1 region hosting Atlas production workloads."@en ; . :AWSIreland a togaf:PhysicalTechnologyComponent ; skos:prefLabel "AWS EU (Ireland)"@en ; skos:definition "Amazon Web Services EU-West-1 region for disaster recovery and Nordic data residency."@en ; . :ContainerOrchestration a togaf:TechnologyService ; skos:prefLabel "Container Orchestration Service"@en ; skos:definition "EKS-based Kubernetes orchestration for microservices deployment and scaling."@en ; . :ManagedDatabase a togaf:TechnologyService ; skos:prefLabel "Managed Database Service"@en ; skos:definition "Aurora PostgreSQL and DynamoDB managed database services."@en ; . :EventStreaming a togaf:TechnologyService ; skos:prefLabel "Event Streaming Service"@en ; skos:definition "Amazon MSK (Kafka) for real-time event processing across microservices."@en ; . ################################################################# # Implementation & Migration ################################################################# :CoreBankingMigration a togaf:WorkPackage ; skos:prefLabel "Core Banking Migration Programme"@en ; skos:definition "3-year programme to migrate from legacy mainframe to cloud-native core banking."@en ; . :OpenBankingProject a togaf:WorkPackage ; skos:prefLabel "Open Banking Compliance Project"@en ; skos:definition "Project delivering PSD2-compliant APIs and third-party provider onboarding."@en ; . :PaymentsValueStream a togaf:ValueStream ; skos:prefLabel "Payments Value Stream"@en ; skos:definition "End-to-end value delivery from payment initiation through clearing to settlement."@en ; . :LendingValueStream a togaf:ValueStream ; skos:prefLabel "Lending Value Stream"@en ; skos:definition "End-to-end value delivery from loan application through underwriting to servicing."@en ; . ################################################################# # Relationships ################################################################# ## Motivation governs architecture :CloudFirstPrinciple togaf:governs :CoreBankingPhysical . :CloudFirstPrinciple togaf:governs :AWSPlatform . :DataSovereigntyPrinciple togaf:governs :AWSPlatform . :DataSovereigntyPrinciple togaf:governs :AWSIreland . :PSD2Compliance togaf:governs :OpenBankingAPI . :BaselIVCapital togaf:governs :RiskEngine . ## Goals realized through work packages :ReduceTimeToMarket togaf:isRealizedThrough :CoreBankingMigration . :ImproveCustomerExperience togaf:isRealizedThrough :CoreBankingMigration . :ReduceOperationalCost togaf:isRealizedThrough :CoreBankingMigration . :PSD2Compliance togaf:isRealizedThrough :OpenBankingProject . ## Drivers track goals :DigitalDisruption togaf:tracks :ReduceTimeToMarket . :DigitalDisruption togaf:tracks :ImproveCustomerExperience . :RegulatoryPressure togaf:tracks :PSD2Compliance . ## Business architecture — containment :RetailBanking togaf:contains :PaymentProcessing . :RetailBanking togaf:contains :LendingCapability . :RetailBanking togaf:contains :CustomerOnboarding . :CorporateBanking togaf:contains :PaymentProcessing . :CorporateBanking togaf:contains :LendingCapability . :CorporateBanking togaf:contains :RiskManagementCapability . ## Business architecture — supports :AccountManagementService togaf:supports :RetailBanking . :AccountManagementService togaf:supports :CorporateBanking . :PaymentService togaf:supports :PaymentProcessing . ## Business architecture — decomposition :PaymentProcessing togaf:decomposesInto :DomesticPayments . :PaymentProcessing togaf:decomposesInto :CrossBorderPayments . :PaymentProcessing togaf:decomposesInto :CardPayments . :DomesticPayments a togaf:BusinessCapability ; skos:prefLabel "Domestic Payments"@en ; skos:definition "Processing of payments within a single jurisdiction via local clearing schemes."@en ; . :CrossBorderPayments a togaf:BusinessCapability ; skos:prefLabel "Cross-Border Payments"@en ; skos:definition "Processing of international payments via SWIFT, SEPA, and correspondent banking."@en ; . :CardPayments a togaf:BusinessCapability ; skos:prefLabel "Card Payments"@en ; skos:definition "Processing of debit and credit card transactions via card schemes."@en ; . ## Process accesses data :LoanOrigination togaf:accesses :CustomerEntity . :LoanOrigination togaf:accesses :LoanEntity . :PaymentExecution togaf:accesses :AccountEntity . :PaymentExecution togaf:accesses :TransactionEntity . ## Application realizes business :CoreBankingLogical togaf:supports :AccountManagementService . :CoreBankingLogical togaf:supports :LendingCapability . :PaymentHubLogical togaf:supports :PaymentProcessing . :OpenBankingAPI togaf:supports :AccountManagementService . :OpenBankingAPI togaf:supports :PaymentService . :MobileBankingApp togaf:supports :AccountManagementService . :RiskEngine togaf:supports :RiskManagementCapability . ## Physical realizes logical :CoreBankingPhysical togaf:realizes :CoreBankingLogical . :PaymentHubPhysical togaf:realizes :PaymentHubLogical . ## Technology supports application :ContainerOrchestration togaf:supports :CoreBankingPhysical . :ContainerOrchestration togaf:supports :PaymentHubPhysical . :ManagedDatabase togaf:supports :CoreBankingPhysical . :EventStreaming togaf:supports :PaymentHubPhysical . ## Application communicates :OpenBankingAPI togaf:communicatesWith :CoreBankingPhysical . :MobileBankingApp togaf:communicatesWith :CoreBankingPhysical . :CoreBankingPhysical togaf:communicatesWith :PaymentHubPhysical . ## Dependencies :CoreBankingPhysical togaf:dependsOn :ContainerOrchestration . :CoreBankingPhysical togaf:dependsOn :ManagedDatabase . :PaymentHubPhysical togaf:dependsOn :EventStreaming . :OpenBankingAPI togaf:dependsOn :CoreBankingPhysical . ################################################################# # Views ################################################################# :AtlasBusinessCapabilityView a arch:View ; skos:prefLabel "Atlas Business Capability Map"@en ; arch:viewConformsToViewpoint togafvp:BusinessServiceFunctionCatalog ; . :AtlasApplicationPortfolioView a arch:View ; skos:prefLabel "Atlas Application Portfolio"@en ; arch:viewConformsToViewpoint togafvp:ApplicationPortfolioCatalog ; . :AtlasMigrationRoadmapView a arch:View ; skos:prefLabel "Atlas Migration Roadmap"@en ; arch:viewConformsToViewpoint togafvp:ArchitectureRoadmap ; . :AtlasMotivationView a arch:View ; skos:prefLabel "Atlas Motivation View"@en ; arch:viewConformsToViewpoint togafvp:StakeholderMapMatrix ; .