Philibanki · Digital Bank Engagement

Phase 0 — Discovery & Foundation

Before a single production line is written, Phase 0 de-risks the build: it locks the integration architecture, data model, compliance and regulatory scope, and the environments the rest of the program depends on — so Pilot and Launch execute against a proven foundation, not assumptions.

1,952
Phase 0 Hours
$195,100
Estimated Cost
9
Delivery Roles Engaged
Scope

What Phase 0 Delivers

Six outcome streams run in parallel across all nine product components — Product Factory, Deposit/Yield Engine, Loan Origination, Credit Intelligence, Loan Management & Collections, Operations Admin, Risk/Compliance/Audit, Integration & Data Layer, and Analytics/AI.

1

Integration Architecture

Design of the integration layer spanning core banking, GL, e‑wallet, KYC provider and the credit bureau (CIC/FinScore), including an inventory and API‑capability assessment of the acquired legacy core.

2

Data Model Design

Canonical data model for the integration layer, product parameterization schema, and audit‑trail data model — the shared backbone every downstream component builds on.

3

Security & BSP Compliance Scoping

Regulatory analysis of BSP, CIC, AMLA and Data Privacy Act (NPC) requirements, a requirement‑to‑control traceability matrix, and top‑level threat modeling of the reference architecture.

4

DevOps & Environments

Discovery‑stage development environment, initial infrastructure‑as‑code scaffolding, a CI pipeline skeleton, and an observability stack prototype ready to scale into Pilot.

5

Requirements & Product‑Policy Analysis

Audit of current product policies, deposit/loan parameters, origination, servicing, collections and RBAC processes at the acquired bank — the baseline for every product build.

6

Delivery‑Process Setup

Program mobilization, project charter, Phase 0 plan and roadmap, and the risk & issue‑tracking processes that govern the program from day one.

Effort

Team & Effort by Role

Phase 0 hours grouped by delivery role, at each role's own hourly rate (rates vary by role — see the Rate column).

Role Hours Rate Cost
Solution Architect
Owns the end‑to‑end reference architecture, integration landscape, technology stack and environment strategy across all 9 product components.
 724 h $130/h $94,120
Business Analyst
Audits current processes and product policies, and defines requirements, backlogs and canonical data models per component.
 500 h $75/h $37,500
Compliance
Analyzes BSP, CIC, AMLA and Data Privacy Act (NPC) requirements applicable to each product line.
 280 h $80/h $22,400
DevOps Engineer
Stands up the initial development environment, IaC scaffolding, CI pipeline skeleton and observability prototype.
 112 h $95/h $10,640
Data Engineer
Inventories integration sources, audits data quality and availability, and designs the canonical integration data model.
 96 h $90/h $8,640
Program Manager
Mobilizes the program, sets the Phase 0 plan and roadmap, and establishes risk and issue‑tracking processes.
 88 h $90/h $7,920
Security Engineer
Performs top‑level threat modeling of the reference architecture and defines security requirements and SDLC standards.
 64 h $110/h $7,040
QA Engineer
Drafts the program‑wide test strategy and defines the test‑automation approach and tooling.
 56 h $65/h $3,640
ML Engineer
Assesses bureau data feasibility for credit scoring and designs the scorecard / champion‑challenger architecture approach.
 32 h $100/h $3,200
Total — Phase 0 1,952 h — $195,100
Output

Phase 0 at a Glance

Concrete deliverables produced during Phase 0, handed over as the foundation for Pilot.

✓Product Catalog (as‑is) — audit of current product policies & parameters
✓Policy Register — product, credit and operational policy inventory
✓Parameter Matrix — product parameterization & configuration model
✓Gap Analysis — legacy core, GL, wallet and bureau capability assessment
✓Integration Design Docs — architecture, API landscape & ADRs
✓Data Model — canonical integration & audit‑trail data model
✓Security / Compliance Scope Document — BSP, CIC, AMLA, NPC analysis
✓Environment & DevOps Setup — dev environment, IaC scaffold, CI skeleton

Selected Phase 0 task highlights, by component

Product FactoryProduct policy & parameter analysis, parameterization model design, source‑system audit, pilot backlog.
Deposit/Yield EngineBSP deposit regulatory analysis, legacy accrual/limit process audit, accrual & limits model design.
Loan OriginationUnsecured lending regulatory analysis, KYC/eligibility process audit, origination flow design.
Credit IntelligenceAI/ML scoring regulatory analysis, bureau data audit (FinScore/CIC), scoring architecture design.
Loan Management & CollectionsServicing/collections process audit, delinquency & restructuring regulatory analysis, servicing model design.
Operations AdminRoles/RBAC audit, maker‑checker & role‑model design, audit‑trail data model.
Risk/Compliance/AuditBSP, CIC, AMLA and Data Privacy Act analysis; traceability matrix & policy/controls model design.
Integration & Data LayerCore/GL/wallet integration inventory, legacy API assessment, integration architecture & canonical data model design.
Analytics/AIPortfolio reporting/KPI analysis, data quality assessment, analytics layer & dashboard architecture design.
Solution ArchitectureReference architecture for all 9 components, integration architecture, tech‑stack selection, environment architecture, baseline ADRs.
DevOps & InfrastructureDiscovery‑stage dev environment, IaC scaffolding, CI pipeline skeleton, observability prototype.
QA & Test EngineeringProgram‑wide test strategy draft, automation approach & tool selection.
Program/PM GovernanceProgram mobilization, project charter, Phase 0 plan & roadmap, risk/issue‑tracking setup.
Security EngineeringTop‑level threat modeling of reference architecture, security requirements & SDLC standards.
Context

Assumptions & Scope Notes