The increasing presence of AI, cloud-native platforms and data-driven bank services resulted in new challenges around data governance, compliance with regulations, risk management and model explainability. Hence Financial institutions have to deal with large volumes of structured & unstructured
data while being capital optimal and complying with regulations like Basel III, BCBS 239, GDPR, AML, KYC, PCI-DSS. Regular data warehouses and data lakes cannot offer a wide enough environment necessary for concurrent implementation of advanced analytics, explainable AI, governance automation and regulatory reporting. In this research, we propose the Regulated Banking AI Lakehouse: a comprehensive framework unifying adoption of AI-driven governance, compliance
management, risk analytics & explainable artificial intelligence in a modern lakehouse architecture. Integrating all these key components, you have a framework that meets the operational and regulatory needs of contemporary banks with scalable data storage, smart metadata management powering automated compliance monitoring, real-time risk analysis and transparent AI decision-making. The architecture allows for keeping data secure and processing it, automatic policy enforcement, model governance, fraud detection as well as credit risk assessment and being audit ready. Results from experiments show that these results yield improvements relative to traditional banking data platforms
on key metrics, such as governance efficiency, compliance accuracy, fraud detection performance, and regulatory reporting automation. Conclusions The findings highlight the suitability of AI lakehouse architectures as a strategic infrastructure for reliable, scalable, and regulatory compliant financial
ecosystems. The framework will advance responsible AI adoption in banking, while offering a pragmatic foundation for next-generation intelligent financial services.
Keywords : AI Lakehouse, Regulated Banking, Explainable AI, Data Governance, Regulatory Compliance, Risk Analytics, Financial Intelligence, Model Governance, Responsible AI, Banking Technology
Author : Kuladeep Sandra Data Engineering Manager & Platform Leader Independent Researcher and Technology Professional
Title : The Regulated Banking AI Lakehouse: A Unified Framework for Governance, Compliance, Risk Analytics, and Explainable AI
Volume/Issue : 2022;04(4)
Page No : 13-27