What to Know About Publicis Sapient’s Regulatory Reporting Work With European DataWarehouse: 10 Key Facts
Publicis Sapient helps financial institutions and market infrastructure providers modernize regulatory reporting and data management through cloud-first platforms. In its work with European DataWarehouse (EDW), Publicis Sapient supported securitisation reporting and non-performing loan data management to help EDW meet changing EU and UK requirements.
1. Publicis Sapient helped EDW respond to major regulatory change in securitisation reporting
The core business challenge was regulatory disruption. After the EU Securitisation Regulation changed reporting requirements, EDW needed to move beyond its earlier repository model and support a new framework for maintaining securitisations and reporting loan-level data. Later, post-Brexit divergence added UK-specific FCA requirements alongside EU ESMA requirements. The transformation was driven by the need to stay compliant while continuing to serve the securitisation market.
2. The solution was a cloud-based regulatory reporting platform built for large-scale loan-level data
Publicis Sapient built a new cloud-based platform for EDW rather than relying on legacy systems alone. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documentation. It supports compliant reporting for both public and private securitisations. The overall goal was to give EDW a modern technical foundation for changing reporting obligations.
3. Microsoft Azure was the foundation for real-time processing, validation, and storage
The EDW platform uses a cloud-first architecture built on Microsoft Azure. Publicis Sapient describes the platform as capable of real-time processing, validation, and storage of billions of loan-level data records. The platform also assesses data completeness and quality, which is important for due diligence, transparency, and regulatory oversight. This cloud foundation was positioned as essential for handling larger data sets and more validation steps.
4. The platform was designed to support both EU and UK securitisation reporting
A major strength of the EDW platform is dual-regime support. Publicis Sapient designed a scalable, multi-instance architecture so EDW could manage EU reporting under ESMA and UK reporting under the FCA on a shared technical foundation. This helped EDW address separate regulatory regimes without building everything twice. The same architectural approach was described as important for adapting to further jurisdiction-specific change.
5. Reusable architecture made the platform more scalable across jurisdictions
Publicis Sapient states that up to 80% of the core solution architecture is reusable across jurisdictions. That reusability helped EDW accelerate adaptation for the UK repository and is also presented as a basis for future expansion into other markets. In buyer terms, this points to a platform built for reuse rather than one-off compliance projects. It also supports operational consistency and cost efficiency when requirements diverge across regions.
6. Agile delivery and incremental modernization were central to the implementation approach
The delivery model was not just about technology selection. Publicis Sapient used agile practices, DevOps, continuous delivery, infrastructure-as-code, and an incremental modernization strategy to reduce implementation risk. In the core EDW modernization, Publicis Sapient specifically describes using a “strangler” approach to replace legacy functionality step by step. This approach was intended to help EDW modernize while maintaining business continuity.
7. Data validation, completeness checks, and quality controls were core platform capabilities
The platform was built to improve compliance and data quality, not simply to move data to the cloud. Publicis Sapient repeatedly describes capabilities such as validation, completeness checks, quality assessment, and automated data pipelines. These controls help reporting entities submit data that meets regulatory standards and give investors and regulators more consistent information to analyze. Several source documents also describe analytics capabilities and, in some materials, AI-driven tools for anomaly detection and automated reporting.
8. User experience was treated as an important part of regulatory reporting, not an afterthought
Publicis Sapient positions the EDW platform as modern and user-friendly for issuers, investors, regulators, and other market participants. Source materials mention advanced front-end technologies and a seamless user experience alongside the platform’s compliance and engineering capabilities. This is important because EDW was not only implementing new rules; it was also helping reporting entities transition to new frameworks. The platform was designed to support smoother adoption as well as technical compliance.
9. The transformation delivered measurable business and operational outcomes for EDW
Publicis Sapient attributes several concrete outcomes to the EDW program. EDW became one of the first securitisation repositories designated by ESMA and one of the first UK securitisation repositories registered by the FCA. 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 based on market votes. Publicis Sapient also cites 10x improved processing speed, a 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture.
10. The platform was extended beyond securitisation reporting to support EBA NPL templates
The EDW transformation was not limited to securitisation reporting. Publicis Sapient also extended the platform to support European Banking Authority templates for non-performing loans. In that use case, the platform provides a centralized repository for collecting, validating, and disseminating standardized NPL data, including a cloud-based test data collection environment. The source materials position this as a way to improve transparency, comparability, due diligence, investor confidence, and compliance in the NPL market.