Granular data: The path to a harmonized regulatory framework

2026/01/14 CET
Webinar

Across jurisdictions, supervisors and financial institutions converge on a common ambition: reporting that is accurate, timely, and adaptable. The industry is moving from template-based aggregation toward granular, standardized data models—a shift that redefines how data is collected, processed, and used.

To make this transformation work, it is essential to define granularity—agreeing on the level of detail and shared semantics that enable straight-through reporting (STR) and unlock multi-purpose data for risk, policy, and supervisory insights.

In this session, senior leaders from the European Central Bank (ECB), the Oesterreichische Nationalbank (OeNB), and Canada’s Office of the Superintendent of Financial Institutions (OSFI) explore what it takes to turn this ambition into reality.

Inside the discussion: Key takeaways

Data granularity is a foundation for transformation. Detailed, standardized data models enable automation, improve quality, and support multiple supervisory and analytical uses.
Designing the full supervisory stack. Effective supervision needs aligned processes, technology, and talent—powered by cloud-native infrastructure and advanced analytics.
Harmonization is non‑negotiable. Shared definitions and taxonomy-based standards prevent fragmentation. Setting granularity upfront ensures that increased detail reduces complexity rather than creating silos.

AI is not a shortcut. While AI can speed up analytics and automation, it cannot replace robust data models. Straight‑through reporting relies on clear data standards and governance frameworks.
Balancing ambition with execution. Moving to granular reporting is a multi-year journey achieved through phased implementation, iterative design, and close regulator-industry collaboration.

Granular by design: The path to a harmonized regulatory data framework

“Granularity is the foundation of all future developments: straight-through reporting, seamless reporting, and beyond. It’s one of the key factors to enable multi-use of data. If we want to move from templates and aggregates to a taxonomy-based, standardized approach, we must go more granular.”

Dr. Johannes Turner, Director Statistics, Department, Oesterreichische Nationalbank (OeNB)

"Granular by design isn’t just about data—it’s about the entire supervisory technology stack. You need aligned processes, modern systems, and the right skills to collect, analyze, and act on granular information."

Andrew Miller, Chief Data Officer, Office of the Superintendent of Financial Institutions (OSFI)

“We can’t just dump all the data and expect AI to magically deliver the answers. We need to start from a good enough base and move step by step. That means working together, industry and regulators, on definitions, processes, and learning, especially given the differences across countries and institutions.”

Asier Cornejo Perez, Adviser IReF Programme Office, European Central Bank (ECB)

Speakers

Dr. Johannes Turner

Director Statistics Department Oesterreichische Nationalbank (OeNB)

Andrew Miller

Chief Data Officer Office of the Superintendent of Financial Institutions (OSFI)

Asier Cornejo Perez

Adviser IReF Programme Office European Central Bank (ECB)

The cost of regulatory reporting: Article series in partnership with Chartis Research

Learn more
Granular Data is the future: Preparing for ECB’s updated IReF timeline

Learn more

Inside the discussion: Key takeaways

Speakers

Dr. Johannes Turner

Andrew Miller

Asier Cornejo Perez

The cost of regulatory reporting: Article series in partnership with Chartis Research

Granular Data is the future: Preparing for ECB’s updated IReF timeline

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