There is a familiar story: a great model, a great demo, and a stalled rollout. The model is not the problem. The way it is wired into the bank is.
Three layers that survive contact with the bank
A data layer that the model can trust
Lineage, freshness, access control. If the model cannot see the data, or worse, sees stale data, the rollout dies.
A decision layer that the policy owners can read
Not just a model output — a reasoned decision against a known policy.
An execution layer that can act
The decision goes nowhere if it cannot trigger the downstream system. This is where most pilots stall.