Global banking operations Local data compliance

“One SAP system. Customer data secured in-country. Fraud detection without borders.”

GDPR Basel III PSD2 FATCA MiFID II PCI-DSS

Cross-border KYC/AML GDPR · PSD2 · Basel III ready Audit-ready architecture

GDPR, national banking regulations, PSD2, and AML requirements together create an almost impossible compliance landscape.
KYC processes break down at every border.
Customer service reps can't see the complete relationship when data is siloed by country.
Fraud detection develops blind spots when behavioral data can't be aggregated.

One central SAP system for global banking operations — a single system to manage.
Customer PII is secured in country-specific stores automatically.
KYC/AML compliance runs across global operations while personal identification stays local.
Regulatory reporting generates both country-specific and global reports from one system.
Fraud detection works on aggregated behavioral patterns without ever moving PII.

Where This Fits

Built for financial services
teams like these

Banks with cross-border retail and commercial customer bases

Insurance carriers managing policyholder data across the EU and UK

Fintechs scaling KYC/AML into new markets

Global treasury and risk teams that need consolidated, compliant reporting

TERRA vs. The Old Way

	Separate SAP per country	TERRA™
Systems to manage	Separate SAP instance per country	One global SAP S/4HANA instance
Typical cost vs. TERRA	3–5x higher licensing, hosting, admin	40–60% lower total cost of ownership
Adding a new jurisdiction	Multi-million-dollar re-implementation	Configuration change, live in 6–8 weeks
Global reporting	Fragmented, manual reconciliation	Real-time, compliant, from one system
Regulatory audit readiness	Manual evidence gathering per country	Audit-ready reports on demand
End-user experience	Different system per region	One familiar SAP interface everywhere