What are the biggest data challenges facing UK banks right now?

UK banks are dealing with a mix of legacy systems, growing regulatory obligations (Consumer Duty, operational resilience, climate risk), and rising customer expectations for digital-first, personalised services. At the same time, cloud costs and AI adoption pressures are forcing banks to rethink their data strategies.

How can data help banks meet regulatory obligations?

By ensuring accuracy, completeness, and timeliness of data, banks can evidence compliance to the FCA and PRA with confidence. Data lineage, transparent dashboards, and quality frameworks also give executives and regulators clear visibility of how decisions are being made and how fair outcomes are being delivered.

Where does AI create the most value in banking today?

AI is already proving its worth in areas like fraud detection, complaints handling, credit decisioning, and customer personalisation. The key challenge is moving from isolated pilots to scalable, responsible AI solutions that integrate with existing systems and stand up to regulatory and ethical scrutiny.

Modern Banking

Building resilience and trust in a new era of Banking.

We understand the complexity of banking. From tougher regulation, Consumer Duty, operational resilience and climate disclosures to squeezed margins and rising costs, the challenges are real.

Customers now expect digital-first, hyper-personalised services, while legacy tech and siloed data hold innovation back. Add relentless competition from fintechs and embedded finance, and one thing is clear: data and AI are no longer optional – they’re critical to resilience, competitiveness, and trust.

Redress & Compliance Event Response

We help you respond to regulatory action with speed, rigour and transparency from customer redress to due diligence and data integrity reviews. Whether driven by FCA investigations, internal audit or market risk, we bring trusted, scalable delivery teams with a proven track record.

Customer Journey & Data Mapping

We support banks in documenting complex customer journeys across fragmented systems, identifying data lineage gaps, compliance exposure, and opportunities for better customer outcomes.

Consumer Duty Compliance Insight

We help banks meet Consumer Duty obligations through data-driven transparency. From identifying vulnerable customers to evidencing fair treatment, we build dashboards and reporting that make your obligations visible, measurable, and actionable.

Governance & ePrivacy Frameworks

We help banks define and embed robust data governance, privacy, and ethical use frameworks that meet strict regulatory standards. From GDPR and ePrivacy compliance to responsible AI adoption, our frameworks provide clarity, accountability, and trust.

Trusted delivery in a regulated world.

We’re trusted by Tier 1 banks and challengers alike to deliver data and AI programmes that stand up to the toughest regulatory scrutiny.

Our track record spans Consumer Duty, redress and FCA-led reviews, underpinned by deep partnerships with the likes of Microsoft, AWS, Databricks and Snowflake. With specialist consultants focused on delivery and measurable outcomes, we help banks boost efficiency, strengthen compliance and transform customer experience, turning pressure into performance.

Real clients. Real results.

Explore our case studies to see how we’ve delivered strategies and solutions across industries – tackling challenges, enabling transformation, and proving what’s possible when it’s data by design.

Leading Smart Infrastructure Provider

Data Platform Modernisation & AI Enablement: As one team, we unified complex, siloed data into a single Microsoft Fabric platform, enabling predictive AI, richer insights and scalable growth.

UK Retail Powerhouse

Business and real time intelligence: Dufrain delivered a real-time performance dashboard for a leading UK retailer, empowering faster decisions and deeper insights during Black Friday.

High Street Retailer

Platform optimisation & BI: Together we drove 70% Efficiency Gains and 52% faster insights for this high street brand.

EXPLORE OUR CASE STUDIES

Your questions, Answered.

What are the biggest data challenges facing UK banks right now?
UK banks are dealing with a mix of legacy systems, growing regulatory obligations (Consumer Duty, operational resilience, climate risk), and rising customer expectations for digital-first, personalised services. At the same time, cloud costs and AI adoption pressures are forcing banks to rethink their data strategies.
How can data help banks meet regulatory obligations?
By ensuring accuracy, completeness, and timeliness of data, banks can evidence compliance to the FCA and PRA with confidence. Data lineage, transparent dashboards, and quality frameworks also give executives and regulators clear visibility of how decisions are being made and how fair outcomes are being delivered.
Where does AI create the most value in banking today?
AI is already proving its worth in areas like fraud detection, complaints handling, credit decisioning, and customer personalisation. The key challenge is moving from isolated pilots to scalable, responsible AI solutions that integrate with existing systems and stand up to regulatory and ethical scrutiny.

Talent as a Service is at the heart of how we work.

Great outcomes don’t just come from platforms, they come from people.

Our certified experts bring the real-world experience, technical excellence and delivery mindset needed to make data and AI work for your business. Backed by proven credentials and a high-performing community, our people and their skills and imagination are your unfair advantage!

MEET OUR PEOPLE

Meet our banking data experts

Paul Aspden

Client Director, Banking

Seán Kenny

Client Director

All set to make your data AI-ready?

In one conversation, we’ll explore your challenges, share ideas, and leave you with clear next steps – questions to spark internal discussions and practical ways to progress your data and AI journey with confidence.

Let’s talk

Victoria Whittaker

Head of Business Development

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