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Capability Map → KPI Mapping
- Anand Nerurkar
- Dec 2
- 3 min read
✅ 1. Banking Capability Map → KPI Mapping (Strategic + Tactical + Operational + Delivery + Governance)
A. BANKING CAPABILITY MAP (TOP-LEVEL)
These are typical enterprise-wide business + technical capabilities:
1. Customer & Channel Capabilities
Omni-channel onboarding
Self-service portals
Mobile banking
Branch office servicing
Assisted journeys (RM/agent)
API channels (external partners, DSA)
2. Lending Capabilities
Digital onboarding
KYC/AML/Sanctions screening
Risk scoring (ML)
Loan origination
Document management
Underwriting
Collection & repayment
Loan servicing
3. Core Banking Capabilities
Account management
Payments & disbursements
Reconciliation
NPA management
GL posting & financial controls
4. Data & Analytics Capabilities
Customer 360
Risk & fraud analytics
AI/ML models
RAG + LLM services
Data governance, MDM, catalog
5. Technology & Platform Capabilities
API gateway
Microservices platform
Cloud platform
DevSecOps / CI/CD
Observability/SRE
Event streaming (Kafka)
6. Security & Compliance Capabilities
IAM
Zero Trust
Security posture management
Regulatory compliance
Data privacy (PI/PII masking)
7. Enterprise Architecture & Governance Capabilities
Architecture governance
Standards & blueprints
Cloud governance
Tech debt management
Portfolio rationalization
Vendor/COTS evaluation
✅ 2. CAPABILITY → KPI MAPPING (Before/After Modernization)
Below is a single unified mapping.
2.1 Customer & Channel Capabilities
Capability | KPI | Before | After |
Omni-channel onboarding | Customer Onboarding TAT | 3–5 days | <30 min |
Self-service portal | Self-service adoption | 30% | 75–80% |
Branch/agent journeys | Assisted journey TAT | 1–2 days | 10–15 min |
API channels | Partner API uptime | 97% | 99.9% |
Channel performance | Page load time | 4–6 sec | <1 sec |
Note:→ Yes, APIs are consumed from mobile, web, branch, RM portal, DSA portal, partner APIs.
2.2 Lending Capabilities
Capability | KPI | Before | After |
Digital onboarding | TAT | 24–48 hrs | <10 min |
KYC/AML | Screening accuracy | 70% | 90–95% |
ML risk scoring | NPA prediction accuracy | 55–60% | ~80% |
Loan origination | STP % | 30–40% | 80–90% |
Underwriting | Decision accuracy | Manual | AI-assisted |
Document management | Rejection rate | High | ↓40% |
Loan servicing | Queries resolved via AI | <5% | 40–50% |
2.3 Core Banking Capabilities
Capability | KPI | Before | After |
Payments/disbursements | Payment success rate | 94% | 99.5% |
Reconciliation | Reco time | 4–6 hours | <45 min |
NPA management | Delinquency detection | Manual | ML-driven |
Financial controls | GL mismatch rate | 1–2% | <0.2% |
2.4 Data & Analytics Capabilities
Capability | KPI | Before | After |
Data quality | DQ score | 70% | 95% |
Customer 360 | Data availability | Fragmented | Unified |
ML operations | Model deployment frequency | Quarterly | Weekly |
LLMOps (RAG) | Retrieval accuracy | — | 95%+ |
Data governance | Metadata coverage | <30% | 90% |
2.5 Technology & Platform Capabilities
Capability | KPI | Before | After |
Microservices | % modernized | 10–15% | 70–80% |
API gateway | API coverage | 20–30% | 90% |
Cloud platform | Cloud adoption | 20% | 80% |
DevSecOps | Deployment automation | 40% | 90% |
Event streaming | Kafka adoption | <10% | 80% |
Observability/SRE | MTTR | 2–4 hrs | <20 min |
2.6 Security & Compliance Capabilities
Capability | KPI | Before | After |
IAM/Zero Trust | Access coverage | 20–30% | 80–90% |
Sec posture | Vulnerability remediation | Weeks | 24–48 hrs |
Compliance | Regulatory findings | Frequent | Zero critical |
Data privacy | PII masking | Manual | Automated (policy enforced) |
2.7 EA & Governance Capabilities
Capability | KPI | Before | After |
Architecture governance | Review compliance | 40% | 95% |
Standards adoption | Blueprint adherence | 30% | 85% |
Cloud governance | Cost anomaly detection | Weak | Automated with guardrails |
Tech debt | High (65%) | <25% | |
Portfolio rationalization | Legacy apps | 200+ | -40% reduction |
Vendor/COTS governance | Integration success rate | 60% | 95% |
✅ 3. Delivery KPIs (Program + Engineering Delivery)
These KPIs matter for Head of Architecture & Engineering alignment.
Delivery KPI | Before | After |
Release frequency | Quarterly | Weekly / bi-weekly |
Lead time for change | 2–4 weeks | <48 hours |
60–70% | 85–90% | |
Requirements clarity index | Low | High via capability mapping |
Cross-team dependency resolution | Slow | Governed via Architecture Runway |
Deployment success rate | 70–80% | 98%+ |
Defect detection in QA | 70% | 95% |
✅ 4. Governance KPIs (Architecture, Security, Data, Cloud)
Governance KPI | Before | After |
Architecture Review Board compliance | 40% | 95% |
Design deviation % | 30% | <5% |
Policy-as-code enforcement | Low | High (OPA, Azure Policies) |
Security gates automation | 20% | 90% |
Cost governance | Cloud cost leakage high | Cost optimized (+30–40%) |
Data governance maturity | Level 1–2 | Level 4–5 |
Regulatory readiness (RBI, PCI) | Reactive | Proactive + automated |
🎯
“Across our capability map—channels, lending, core banking, data, platform, and security—we defined measurable KPIs for each capability.For example, onboarding moved from 5 days to <30 minutes, API adoption from 15% to 90%, cloud adoption from 20% to 80%, STP from 30% to 85%, MTTR from 4 hours to below 20 minutes.
We also tracked delivery KPIs like weekly releases, 90% automated deployments, and governance KPIs like 95% architecture review compliance and 40% technical debt reduction.
This capability-to-KPI traceability is how we drove modernization outcomes, ensured accountability, and communicated success to CXOs.”
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