{
  "asset": "VaultAI WorkspaceData Source Register",
  "generated_for": "vaultai.network buyer-facing diligence",
  "as_of": "2026-10-03",
  "method": "Secondary research register. This is not represented as signed customer interview evidence.",
  "sources": [
    {
      "id": "SRC-MCK-CORE-2020",
      "publisher": "McKinsey & Company",
      "title": "Core systems strategy for banks",
      "url": "https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters/core-systems-strategy-for-banks",
      "accessed": "2026-10-03",
      "buyer_relevance": "Documents why core banking modernization is strategically relevant and risky for banks.",
      "usable_facts": [
        "Banks spend millions maintaining core systems that often interface with tens or hundreds of surrounding systems.",
        "Digital banking, APIs, cloud, real-time processing, fintech partnerships, frequent feature releases, infrastructure elasticity, and faster M&A execution increase pressure on old cores.",
        "Legacy cores can carry undocumented customization, scarce engineering talent, and difficult vendor-support issues.",
        "Integration risk and cost can be material; McKinsey cites potential costs above USD 50m for medium-size banks and USD 300m to USD 400m for larger banks in traditional implementations."
      ],
      "workspace_use": "Customer pain framing, replacement-cost analysis, buyer persona matrix."
    },
    {
      "id": "SRC-MCK-AI-CORE-2026",
      "publisher": "McKinsey & Company",
      "title": "Core banking in the age of AI: Crafting intelligent financial engines",
      "url": "https://www.mckinsey.com/capabilities/tech-and-ai/our-insights/tech-forward/core-banking-in-the-age-of-ai-crafting-intelligent-financial-engines",
      "accessed": "2026-10-03",
      "buyer_relevance": "Frames the shift from passive transaction recording to AI-enabled, event-driven financial engines.",
      "usable_facts": [
        "Core banking systems are central hubs that host records, databases, real-time transaction processing, customer accounts, and loans.",
        "Legacy core pain points include slow product innovation, batch processing, data silos, and high run costs.",
        "Intelligent financial engines are described as cloud-native, API-first, event-driven, configurable, AI-enabled, and zero-trust/resilient by design."
      ],
      "workspace_use": "Figma product narrative, executive dashboard modules, customer research matrix."
    },
    {
      "id": "SRC-BIS-LCR",
      "publisher": "Bank for International Settlements",
      "title": "Liquidity Coverage Ratio",
      "url": "https://www.bis.org/committees/bcbs/basel-framework/standard/lcr",
      "accessed": "2026-10-03",
      "buyer_relevance": "Defines liquidity resilience expectations that buyer-facing stress-test language can map to without claiming regulatory certification.",
      "usable_facts": [
        "The Liquidity Coverage Ratio standard is part of the Basel Framework maintained by the Basel Committee on Banking Supervision.",
        "The LCR framework is built around high-quality liquid assets and stressed cash outflows over a 30-day horizon."
      ],
      "workspace_use": "Liquidity persona requirements, stress scenario cards, audit evidence language."
    },
    {
      "id": "SRC-EU-DORA",
      "publisher": "European Union / EUR-Lex",
      "title": "Regulation (EU) 2022/2554 on digital operational resilience for the financial sector",
      "url": "https://eur-lex.europa.eu/legal-content/ENG/ALL/?uri=CELEX:32022R2554",
      "accessed": "2026-10-03",
      "buyer_relevance": "Controls how EU financial entities think about ICT risk management, resilience, incident handling, third-party risk, and operational continuity.",
      "usable_facts": [
        "DORA establishes uniform digital operational resilience requirements for EU financial entities.",
        "The regulation covers ICT risk management, incident reporting, testing, third-party ICT risk, and governance obligations."
      ],
      "workspace_use": "Regulatory buyer persona, Notion control matrix, due diligence checklist."
    },
    {
      "id": "SRC-BIS-CYBER-FMI",
      "publisher": "Bank for International Settlements",
      "title": "Guidance on cyber resilience for financial market infrastructures",
      "url": "https://www.bis.org/publications/guidance-cyber-resilience-financial-market-infrastructures",
      "accessed": "2026-10-03",
      "buyer_relevance": "Supports operational resilience and cyber-risk framing for financial infrastructure buyers.",
      "usable_facts": [
        "Safe and efficient operation of financial market infrastructures is essential to financial stability and economic growth.",
        "The guidance emphasizes pre-empting, responding to, and recovering from cyber attacks and demonstrating continuous improvement in resilience posture.",
        "The guidance is supplemental to PFMI principles including governance, comprehensive risk management, settlement finality, operational risk, and FMI links."
      ],
      "workspace_use": "Operational evidence dashboard, resilience controls, customer objections."
    }
  ]
}