From Excel spreadsheets to a data hub: inside Eskhata Bank’s technological transformation
Tajikistan’s banking sector has traditionally relied on core banking systems for its main operations, while consolidated analytics, management calculations and reporting were often prepared manually by analysts using Excel spreadsheets.
The model remained workable while data volumes were limited and the pace of decision-making was relatively predictable. But the rapid growth of digital channels, demand for personalized services and increasingly detailed regulatory requirements have made manual data processing both inefficient and risky.
Eskhata Bank says it has begun addressing these challenges by developing a corporate data warehouse — a centralized platform that brings together information from its core banking system, customer relationship management system, payment processing platform and mobile application.
More than 100 employees already use the platform, while different business units are requesting the integration of additional data sources.
Reporting without overloading the core banking system
Yulia Valentini, head of Eskhata Bank’s Finance Department and a member of its management board, said the data warehouse had helped the bank bring the speed of its internal processes into line with the demands of a rapidly changing market.
One of the first practical applications was regulatory reporting.
The National Bank of Tajikistan is requesting increasingly detailed reports based on large volumes of information. Eskhata Bank can now generate these reports in a separate analytical environment without placing an additional load on its core banking system.
The new architecture is based on Arenadata DB, a massively parallel processing system designed for high-performance data analytics.
Data loading and validation are managed through Deco Systems’ Data Warehouse Management platform, while visualization is carried out using the open-source Apache Superset platform. This allows employees in business units to analyze information independently without having to submit a separate request to the IT department each time.
Project manager Usmonjon Ashourov described the data warehouse as an investment in the bank’s long-term competitiveness.
«Together with the technology provider, we established our own data office, and all the necessary expertise has now been transferred to the bank’s internal team,» Ashourov said.
«Our next steps will include developing predictive analytics, introducing machine-learning models for forecasting and expanding self-service data visualisation tools.»
Under Ashourov’s leadership, a cross-functional team worked with Deco Systems to address infrastructure issues, establish data-quality controls and deploy a fault-tolerant platform.
The model remained workable while data volumes were limited and the pace of decision-making was relatively predictable. But the rapid growth of digital channels, demand for personalized services and increasingly detailed regulatory requirements have made manual data processing both inefficient and risky.
Eskhata Bank says it has begun addressing these challenges by developing a corporate data warehouse — a centralized platform that brings together information from its core banking system, customer relationship management system, payment processing platform and mobile application.
More than 100 employees already use the platform, while different business units are requesting the integration of additional data sources.
Reporting without overloading the core banking system
Yulia Valentini, head of Eskhata Bank’s Finance Department and a member of its management board, said the data warehouse had helped the bank bring the speed of its internal processes into line with the demands of a rapidly changing market.
One of the first practical applications was regulatory reporting.
The National Bank of Tajikistan is requesting increasingly detailed reports based on large volumes of information. Eskhata Bank can now generate these reports in a separate analytical environment without placing an additional load on its core banking system.
The new architecture is based on Arenadata DB, a massively parallel processing system designed for high-performance data analytics.
Data loading and validation are managed through Deco Systems’ Data Warehouse Management platform, while visualization is carried out using the open-source Apache Superset platform. This allows employees in business units to analyze information independently without having to submit a separate request to the IT department each time.
Project manager Usmonjon Ashourov described the data warehouse as an investment in the bank’s long-term competitiveness.
«Together with the technology provider, we established our own data office, and all the necessary expertise has now been transferred to the bank’s internal team,» Ashourov said.
«Our next steps will include developing predictive analytics, introducing machine-learning models for forecasting and expanding self-service data visualisation tools.»
Under Ashourov’s leadership, a cross-functional team worked with Deco Systems to address infrastructure issues, establish data-quality controls and deploy a fault-tolerant platform.
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