Evolution of Data Governance Architecture in State Banking Supervision Systems

Citation: Chaudhari Pratikkumar, "Evolution of Data Governance Architecture in State Banking Supervision Systems", Universal Library of Innovative Research and Studies, Volume 03, Issue 02.

Copyright: This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract

The article explores the evolution of data governance architecture in state banking supervision systems amid digital finance, expanding risk interdependence, and rising informational density. The article aims to explain how data governance has become central to supervisory capacity and how its architecture shapes the production of prudential knowledge. The topic is relevant because banking supervision now depends on data quality, traceability, semantic consistency, interoperability, and auditability across digitized supervisory processes. The study’s novelty lies in treating data governance architecture as an institutional and epistemic infrastructure of public supervision, rather than as a technical reporting layer. The article shows that the historical transition from fragmented reporting and paper-based control to standardized repositories, integrated platforms, and SupTech-supported analytics has changed the logic of supervisory observation and intervention. The main findings indicate that unified data models, metadata regimes, validation rules, lineage records, stewardship roles, and access controls strengthen supervisory comparability, improve risk detection, and support earlier corrective action. The article will be useful for researchers, financial regulators, central bank specialists, and experts in supervisory technology.

Keywords: Data Governance, Banking Supervision, SupTech, Supervisory Architecture, Prudential Regulation.

https://doi.org/10.70315/uloap.ulirs.2026.0302005