One shared engine, individual bank evidence.
Twenty-one Australian customer-owned banks, mutuals and credit unions faced the same Open Banking conformance obligation, individually and non-delegably, on a deadline they had already missed once.
The challenge.
Small teams
Smaller banks faced demanding Open Banking testing requirements with limited technology teams.
Missed deadline
The Phase 1 deadline had been missed, leaving roughly four months to reach compliance.
Hard testing
Conformance spans security profiles, client registration, consent flows, API contracts and negative paths, and had to be repeatable.
What we built.
Build the shared engine
Innovo funded and built a shared conformance solution in UiPath and automated the published regulatory test scenarios.
Adapt to each bank
Execution was adapted to each bank's configuration, against its own environment and test data.
Produce individual evidence
Specialist teams ran the tests and produced evidence for each bank's individual submission.
Reuse as standards change
A repeatable testing capability the banks could reuse as systems and requirements changed.
The results.
Banks cleared to go live
Months to compliance, after a missed deadline
Mandatory scenarios automated
Services used.
Quality engineering
Test automation and AI testing, so every release and every agent is proven before it runs.
Explore →Non-production environments & data
Environment, release and test-data management for every non-production estate, delivered as a standalone service. Platform: Enov8.
Explore →AI strategy & governance
Strategy, architecture and AI governance, with a 1-week assessment that ends in a costed roadmap.
Explore →Client identities anonymised • Detailed references available on request
Regulation held as configuration.
The hard part was not the first bank; it was the twentieth.
Regulation-as-configuration architecture
CDR definitions held as configuration, not code, so the platform tracked regulatory change centrally instead of requiring 21 parallel rebuilds.
Multi-tenant isolation on AWS
AWS Control Tower keeping 21 competing institutions' environments and evidence properly separated on shared infrastructure.
270 mandatory scenarios
189 in Phase 1, 81 in Phase 2, with per-participant readiness packs delivered in registry-required formats.
Bring us one process. We'll show you it running.
A 45-minute briefing with an engineer, or a 1-week assessment that ends in a costed roadmap.