Reference Data Model

Accelerating AI with Trusted Data Models

Regulatory-ready, enterprise-wide Reference Model
for Banks & Insurers.

Designed to accelerate data platform modernization, analytics,
and AI enablement with conformed data foundation for every insight,
decision, and is powered by trusted, well-governed data.

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Your Canonical Blueprint for Decision Intelligence

BigTapp’s Reference Data Models unify core concepts (Party/Customer, Product, Account/Policy, Transaction/Event, Risk, Pricing, GL linkage) with governance and time-variance built in. The models are AI-ready (semantically consistent, retrieval-friendly) and ship with mapping templates and validation packs so you can move from source discovery → conformed model → governed analytics fast and make retrieval-augmented workflows and agent skills more accurate.

Banking (Retail, Corporate/SME,
Wealth, Islamic)

With the structures aligned to FSI obligations (e.g., Basel III/credit risk, AML/KYC, IFRS), the Reference Data Model is governed by Design for lineage, audit trails, data quality anchors, SCD2/time-series snapshots.

Subject Areas: Party & Relationship, Product & Pricing, Accounts & Facilities, Transactions & Events, Risk & Regulatory, Channels & Interaction, GL & Posting

Insurance (Life, P&C)

The master data blueprint for next-generation insurers, connects customer, policy, claim, and risk data — accelerating underwriting intelligence, claims automation, and AI-driven personalization at enterprise scale — ensuring compliance and readiness for AI, IFRS 17, and solvency analytics.

Subject Areas: Party & Roles, Products & Coverage, Policy & Billing, Claims, Risk & Underwriting, Reinsurance, GL & Posting

Key Capabilites

With standard definitions for key risk, finance data (eg. collateral, exposure or capital) or Underwriting (Risk, exposure or solvency), the BigTapp Canonical model covers the Data Lineage and traceability and also auditability for internal and external compliance reviews.

Party-Centric & Relationship Aware

B2C/B2B, unlimited hierarchy depth

Supertype–Subtype

Accounts/Transactions/Products (clean extensibility)

Event-Driven

Lifecycle events, auditability, reversals, corrections

SCD2 & Snapshots

As-was history and point-in-time analyses

Conformed Dimensions

Products, channels, geography, legal entity, calendar

GL-Integrated

Trace from business transaction to accounting impact

Business Benefits

Faster Build

Typical platform design/build reduced significantly with reusable patterns and DDL starters

Lower Risk

Regulatory-relevant fields and lineage reduce rework during audits/exams

Quicker insights

KPI/semantic starters shorten time to dashboards and models

Case Studies

Building future proof data platform
for a Singapore based
composite insurer

Synergised various data sources across Life, P&C and Group into a unified data structure enabling analytical initiatives, reduced dependency on data availability and ensuring cleansed data to drive decision making faster

Implementing for a bank
in Middle East covering
all their finance data

Data extraction from different systems, ensuring geo specific attributes are available in a unified structure. Providing the ability to build the curated with ease

Contact our experts

Ready to accelerate your FSI data foundation?

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