FAQ
Publicis Sapient helps financial institutions and market infrastructure providers modernize regulatory reporting and data management through cloud-based platforms. In its work with European DataWarehouse (EDW), Publicis Sapient supported securitisation reporting and non-performing loan data management to help EDW meet evolving EU, UK, and EBA requirements.
What does Publicis Sapient do in regulatory reporting transformation?
Publicis Sapient designs and delivers digital platforms for regulatory reporting and data management. Its work brings together strategy and consulting, product, experience, engineering, and data capabilities to help organizations modernize legacy environments, improve compliance, and respond to changing regulations. In the EDW engagement, Publicis Sapient acted as both an implementation partner and a strategic transformation partner.
What business challenge was European DataWarehouse trying to solve?
European DataWarehouse needed to adapt quickly to new securitisation regulations and reporting requirements. The EU Securitisation Regulation introduced new expectations for transparency, reporting, validation, and data quality. Later, UK post-Brexit divergence added FCA-specific requirements alongside EU rules.
What solution did Publicis Sapient build for EDW?
Publicis Sapient built a cloud-based regulatory reporting platform for EDW. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documentation. It was also extended to support non-performing loan data based on EBA templates.
How does the EDW platform work?
The EDW platform uses a cloud-first architecture on Microsoft Azure to manage loan-level data at scale. It supports real-time processing, validation, and storage of billions of records, while also assessing data quality and completeness. The platform is designed to help reporting entities, investors, and regulators meet due diligence and transparency requirements.
Who is the platform designed for?
The platform is designed for financial institutions and market participants involved in securitisation reporting and related data processes. The source materials specifically mention issuers, investors, regulators, banks, servicers, originators, sponsors, rating agencies, central banks, and other data users. In the NPL context, it also supports banks, servicers, and investors working with standardized NPL data.
Which regulatory frameworks does the platform support?
The platform supports EU securitisation reporting under ESMA and UK securitisation reporting under the FCA. Publicis Sapient also extended the platform to support EBA data templates for non-performing loans. This allowed EDW to serve multiple reporting and data management requirements across different regulatory contexts.
How does the platform support both EU and UK securitisation reporting?
The platform supports both EU and UK reporting through a scalable, multi-instance architecture. This allows EDW to manage separate regulatory regimes while maintaining a shared technical foundation. Publicis Sapient also stated that up to 80% of the architecture is reusable across jurisdictions.
Why was a cloud-based platform important for this transformation?
A cloud-based platform was important because EDW needed more scalability, flexibility, and speed than its previous environment could provide. The new regulatory framework required larger data volumes, more validation steps, and faster adaptation to changing technical standards. The cloud-first foundation also supports reuse in other jurisdictions and future regulatory change.
What technologies and delivery methods were used?
The platform was built on Microsoft Azure and supported by agile delivery, DevOps, and continuous delivery practices. Publicis Sapient also used an incremental modernization approach to replace functionality while managing risk. In EDW’s modernization, the company described using a “strangler” approach to modernize core components step by step.
What are the platform’s main capabilities?
The platform’s main capabilities include data collection, processing, validation, storage, completeness checks, and quality assessment. It supports large-scale loan-level data reporting and the management of related documentation. The platform was also designed to provide a seamless and user-friendly experience for reporting entities and other stakeholders.
How does the platform improve data quality and transparency?
The platform improves data quality and transparency through automated validation, completeness checks, and quality assessment. These capabilities help ensure submissions meet regulatory standards and provide more consistent data for analysis. The overall aim is to support due diligence, market oversight, and confidence in the securitisation market.
What business outcomes did EDW achieve through this transformation?
EDW became one of the first Securitisation Repositories registered by ESMA and one of the first UK Securitisation Repositories registered by the FCA. The transformation strengthened EDW’s position in regulatory reporting for both EU and UK markets. Source materials also state that EDW achieved 100% customer retention during the project, acquired new customers, and won “Securitization Provider of the Year” at the Global Capital awards.
How scalable is the solution?
The solution is designed to be highly scalable. The source materials state that up to 80% of the architecture is reusable across jurisdictions, which supports faster adaptation to new markets and regulatory regimes. The platform is also described as capable of processing billions of loan-level records and supporting future growth.
What measurable improvements are described in the source materials?
The source materials describe improvements in processing speed, implementation efficiency, and scale. Publicis Sapient states that the platform delivered 10x improved processing speed, a 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture. These outcomes are presented as part of EDW’s cloud-first modernization.
Does the solution support non-performing loan data management?
Yes, the source materials say the platform was extended to support EBA data templates for non-performing loans. In that use case, the platform provides a repository for collecting, validating, and disseminating standardized NPL data. EDW also collected test files to help market participants become familiar with the EBA templates.
What does the NPL capability help banks, servicers, and investors do?
The NPL capability helps banks, servicers, and investors work with more standardized and comparable loan data. The source materials say it supports screening, financial due diligence, and valuation during NPL transactions. It also supports use of common templates for residential mortgages and loans to small and medium-sized enterprises.
What benefits are associated with the NPL templates and platform?
The source materials associate the NPL templates and platform with better transparency, improved data quality, and stronger comparability. They also describe benefits such as reducing information asymmetry, supporting price discovery, widening the investor base, and lowering entry barriers for potential investors. The broader aim is to support the development of the NPL secondary market.
What role does user experience play in the platform?
User experience is a core part of the solution. Publicis Sapient highlights advanced front-end technologies and a seamless, user-friendly platform for EDW clients. The source materials position usability as important for helping reporting entities transition smoothly to new regulatory frameworks.
How does Publicis Sapient help clients respond to ongoing regulatory change?
Publicis Sapient helps clients respond through modular architecture, cloud-based infrastructure, and agile delivery. This combination makes it easier to implement, test, and deploy updates as technical and regulatory requirements evolve. In the EDW case, that flexibility was important for adapting to changes from ESMA, the FCA, and the EBA.
What should buyers look for in a modern regulatory reporting platform?
Buyers should look for a platform that is cloud-based, scalable, modular, and built for regulatory change. The source materials also point to automated validation, data quality controls, reusable architecture, and a user-friendly experience as important capabilities. For organizations operating across jurisdictions, support for multiple reporting regimes is especially important.