The Core Data Infrastructure for Modern Banking
From raw data to intelligence — unified, traceable, and AI-ready. Built for banks and fintechs that treat data as strategy, not storage.
Why Us
Engineered by experts, trusted by regulators.
We’ve built licensed digital banks, passed audits, and delivered enterprise-grade data infrastructure trusted by global institutions.
Proven architecture
Built on HSBC-grade Common Data Model principles
Unified data model
Integrates all data sources into one framework
Scalable performance
Designed for global scale and real-time processing
Enterprise compliance
SOC 2, PCI DSS, OCIF, MAS, DFSA certified
Regulatory-grade traceability
Full lineage, validation, and audit readiness
AI-ready infrastructure
Optimized for analytics, ML, and automation
Automated reporting
Power BI dashboards with self- service capabilities
Proven in production
Running daily within Arival Bank’s live systems
Who it’s for
Ideal for:
Digital banks building intelligence
Starting Point
Operating with fragmented data sources, legacy analytics tools, and limited visibility into customer behavior across channels.
What You Unlock
A unified Common Data Model that centralizes analytics, delivers real-time insights, and powers AI-driven decisions across all customer journeys.
Legacy institutions upgrading data
Starting Point
Running on outdated systems with siloed databases, slow manual reporting, and inconsistent data accuracy across departments.
What You Unlock
A modernized data architecture with automated pipelines, complete traceability, and enterprise-grade speed for regulatory and business use.
Fintechs scaling rapidly
Starting Point
Relying on multiple APIs, disconnected data streams, and limited scalability for analytics, monitoring, and sustainable growth.
What You Unlock
A cloud-based data warehouse with integrated layers, seamless API connectivity, and built-in compliance ready to scale globally.
Compliance-driven teams and analysts
Starting Point
Managing fragmented reports, manual audits, and constant pressure to maintain transparency across all data systems.
What You Unlock
A standardized, regulator-approved data model with automated reporting, audit trails, and end-to-end data governance for every workflow.
Data Foundation
Structured for clarity, optimized for control.
Layers
Raw, Staging, and Conformed layers create a unified flow from ingestion to insights.
Each layer adds structure, validation, and context for business and compliance use.
Designed for precision.
Integration
Connects all internal and external data sources through one unified pipeline.
Minimizes manual effort while maximizing consistency and data reliability.
Reliable. Consistent. Real time.
Data Model
The Common Data Model standardizes logic across the organization, linking all systems and entities.
It’s the foundation for analytics, automation, and regulatory reporting.
One structure for every system.
Performance
Frequent micro-batch transfers keep systems fast, stable, and scalable under heavy load.
Optimized for efficiency and minimal resource consumption at every stage.
Always on, always efficient.
AI-ready
Data is curated, cleaned, and enriched for advanced analytics and AI-driven insights.
Supports intelligent automation, classification, and private LLM integration.
Smart by default.
Traceability
Every dataset is validated, versioned, and auditable across all transformation steps.
Full lineage and transparency are built directly into the architecture.
Compliant by design.
Security & сompliance
Enterprise-grade trust, regulator-approved.
Our Data Warehouse is built with layered security, global compliance, and continuous monitoring. Every process, from encryption to audits, ensures full data trust and transparency.
Data encryption
All data is encrypted in transit and at rest using advanced algorithms that meet global banking standards and ensure complete protection.
Access control
Granular, role-based permissions manage access across users and systems, maintaining strong security, accountability, and transparency.
Regulatory compliance
Aligned with SOC 2, PCI DSS, OCIF, MAS, and DFSA frameworks to guarantee regulatory readiness and consistent security across regions.
Penetration testing
Regular third-party assessments and monitoring ensure resilience, reliability, and proactive protection against threats.
Data integrity
Automated validation, quality checks, and anomaly detection maintain data accuracy, consistency, and reliability across layers.
Data Architecture
Architected for precision, refined for performance.
A multi-layered architecture that ensures accuracy, lineage, and performance across every stage of data movement.
Real case: Arival Bank
Proven in production.
Arival, a fully licensed digital bank, runs on EZ infrastructure. From onboarding to payments, everything works at scale — with modular compliance and global readiness.
Yeidie Ortiz
Chief Executive Officer at Arival Bank
EZ is changing the way fintechs partner with banks — the speed and infrastructure they bring is unmatched.
Go live in 3 months
From idea to production — starting from 3 months.
Whether you're launching a new product or scaling fast, our expert team helps you go live — from strategy to full deployment.
Strategy
Align on goals, markets, and what you're building — we map the fastest path to launch.
Briefing
We dive into your product needs and finalize the feature stack, architecture, and timeline.
Setup
Your environment is provisioned, secured, and tailored — including compliance modules and APIs.
Integration
Your team connects to our system using clear documentation and dedicated support.
Testing
We run through use cases, compliance flows, and edge cases to ensure readiness.
Launch
Your product goes live — fully supported, compliant, and ready to scale with confidence.
Your data deserves better infrastructure
Let’s talk about your data journey — and how quickly we can help you unify it.
Contact us!
Contact SalesSkaya, Inc. (Skaya) is a technology and services company, not a bank. Banking services are provided by Skaya's bank partners. EZ, EZ Banking and EZ ID are registered trademarks of Skaya.