Prime Capital Bank — Complete Enterprise Data Model ERD

Medallion Architecture — Data Flow

Source Systems

Core Banking
CRM · Cards
Treasury · GL

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Bronze Layer

Raw Ingestion
Auto Loader
14 Tables

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Silver Layer

Cleansed & Enriched
PII Masked
11 Tables

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Gold Layer

Star Schema
22 Dims · 16 Facts
15 Views

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ML Layer

MLflow Registry
PD · LGD · Fraud
AML Scoring

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Consumption

Power BI
Azure SQL
SARB Reports

Entity Relationship Diagrams — by Domain

100% · scroll wheel to zoom · drag to pan

Core customer identity, account ownership, and daily transaction events. DIM_CUSTOMER is SCD Type 2 tracking historical segments and risk scores.

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Loan portfolio with IFRS 9 ECL staging, ML-driven PD/LGD scores, fraud detection events, and AML case management.

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Three-tier product hierarchy (Category → Subcategory → Product) with channel, device, and date dimensions. Tracks cross-sell penetration per customer.

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Card acquiring, SA fintech partner settlement (Yoco / SnapScan / PayFast / Peach Payments / PayGate), SWIFT/EFT payment flows. Monthly grain: 60 settlement rows across 5 partners × 12 months.

erDiagram DIM_MERCHANT ||--o{ FACT_CARD_TRANSACTION : "processes" DIM_FINTECH ||--o{ FACT_FINTECH_SETTLEMENT : "settles_via" DIM_COUNTERPARTY ||--o{ FACT_PAYMENT : "receives" DIM_CURRENCY ||--o{ FACT_PAYMENT : "denominated_in" DIM_DATE ||--o{ FACT_CARD_TRANSACTION : "tx_date" DIM_DATE ||--o{ FACT_FINTECH_SETTLEMENT : "settle_month" DIM_MERCHANT { int merchant_sk PK string merchant_id string merchant_name string mcc_code string merchant_category string city string province boolean is_online } DIM_FINTECH { int fintech_sk PK string fintech_id string fintech_name string platform_type decimal fee_rate_pct int settlement_days boolean is_active } DIM_COUNTERPARTY { int counterparty_sk PK string swift_code string bank_name string country string settle_method } DIM_CURRENCY { int currency_sk PK string currency_code string currency_name decimal zar_rate date rate_date } FACT_CARD_TRANSACTION { bigint card_tx_sk PK bigint customer_sk FK int merchant_sk FK int date_sk FK decimal amount_zar string card_brand decimal fraud_score boolean is_contactless } FACT_FINTECH_SETTLEMENT { bigint ft_sk PK int fintech_sk FK int date_sk FK bigint total_transactions decimal gross_volume_zar decimal merchant_fees_zar decimal net_settlement_zar decimal avg_transaction_zar int chargebacks_count } FACT_PAYMENT { bigint pay_sk PK bigint account_sk FK int counterparty_sk FK int currency_sk FK decimal amount_zar string payment_type string swift_ref string status }

General ledger double-entry, branch infrastructure, treasury positions (DV01/VaR), and account-level profitability (NII / ROE).

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Life, disability, short-term and credit-life insurance with claim workflow. Unit trust, bond, and FX investment positions with unrealised P&L.

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Dimension Tables 22 Total · SCD Type 2

Customer & Identity

DIM_CUSTOMER (SCD2) — 500K records
DIM_KYC_STATUS — FICA compliance tracking
DIM_RISK_CATEGORY — PD/LGD bands
DIM_CREDIT_BUREAU — TransUnion/Experian/Compuscan

Account & Product

DIM_ACCOUNT (SCD2) — 1.2M accounts
DIM_PRODUCT — 60+ SKUs, SCD1
DIM_PRODUCT_SUBCATEGORY — 18 subcategories
DIM_PRODUCT_CATEGORY — 6 categories

Branch & Infrastructure

DIM_BRANCH — 200 SA branches + provinces
DIM_EMPLOYEE (SCD2) — 12K staff
DIM_ATM — 800 ATMs with geo-coords
DIM_GEOGRAPHY — SA provinces, cities, suburbs

Time & Channel

DIM_DATE — SA public holidays, fin. year
DIM_CHANNEL — Branch/ATM/Online/Mobile/USSD
DIM_DEVICE — iOS/Android/Desktop/POS
DIM_CURRENCY — ZAR/USD/EUR/GBP/CNY/AED

Fintech & Merchant

DIM_FINTECH — Yoco, PayFast, SnapScan, etc.
DIM_MERCHANT — SME partners with MCC codes
DIM_LOYALTY_PROGRAM — eBucks-style programmes
DIM_COUNTERPARTY — Correspondent banks

Governance & Finance

DIM_GL_ACCOUNT — 5-level COA hierarchy
DIM_COST_CENTRE — Legal entity allocation
DIM_COLLATERAL — Property/Vehicle/Cession
DIM_COMPLIANCE_RULE — SARB/POPIA/FICA rules

Fact Tables 16 Total · Delta Lake Partitioned

Transaction & Payments

FACT_TRANSACTION — 10M+ rows, partitioned by date
FACT_PAYMENT — EFT/RTGS/SWIFT/Internal
FACT_CARD_TRANSACTION — 2M card POS/online
FACT_DAILY_BALANCE — daily account snapshot

Lending & Risk

FACT_LOAN_PORTFOLIO — IFRS9 Stage 1/2/3, ECL
FACT_FRAUD_EVENT — ML-scored fraud alerts
FACT_AML_CASE — SAR pipeline, graph analytics
FACT_TREASURY_POSITION — MTM, DV01, VaR

Customer & Product

FACT_CUSTOMER_PRODUCTS — cross-sell, tenure, NII
FACT_ACCOUNT_PROFITABILITY — ROE per account
FACT_PRODUCT_METRICS — daily product KPIs
FACT_GL_JOURNAL — P&L, Balance Sheet

Fintech, Insurance & Investment

FACT_FINTECH_TRANSACTION — merchant settlement
FACT_LOYALTY_POINTS — earn/redeem/expire
FACT_MERCHANT_DAILY_SUMMARY — basket analytics
FACT_INSURANCE + FACT_CLAIM + FACT_CLAIM_PAYMENT
FACT_INVESTMENT — NAV, unrealised P&L

Product Taxonomy 60+ Products · 6 Categories

DEPOSITS
  ├── Transaction Accounts
  │     ├── PCB Cheque Account        ├── PCB Gold Cheque       ├── PCB Platinum Cheque
  │     └── PCB Business Cheque
  ├── Savings Accounts
  │     ├── PCB MySave Account        ├── PCB Target Save       ├── PCB Notice Deposit
  │     └── PCB Money Market
  └── Fixed Deposits
        ├── PCB Fixed Deposit (32/60/90/182/365 day)        └── PCB Offshore Fixed Deposit

LENDING
  ├── Home Loans
  │     ├── PCB Home Loan (variable)  ├── PCB Home Loan (fixed)  └── PCB Building Loan
  ├── Personal Finance
  │     ├── PCB Personal Loan         ├── PCB Salary Advance    └── PCB Revolving Credit
  ├── Vehicle Finance
  │     ├── PCB Vehicle Loan (new)    ├── PCB Vehicle Loan (used) └── PCB Fleet Finance
  └── Business Lending
        ├── PCB Business Term Loan    ├── PCB Invoice Finance   └── PCB Commercial Mortgage

CARDS
  ├── Credit Cards
  │     ├── PCB Classic Credit        ├── PCB Gold Credit       ├── PCB Platinum Credit
  │     └── PCB Business Credit
  └── Debit & Prepaid
        ├── PCB Debit Card            ├── PCB Prepaid Visa      └── PCB Virtual Card

INVESTMENTS
  ├── Unit Trusts
  │     ├── PCB Equity Fund           ├── PCB Balanced Fund     └── PCB Money Market Fund
  ├── Bonds & Securities
  │     ├── SA Government Bonds       ├── PCB Corporate Bonds   └── Eurobonds
  └── FX/Treasury
        ├── Spot FX                   ├── Forward Contracts     └── Currency Swaps

INSURANCE
  ├── Life & Disability
  │     ├── PCB Life Cover            ├── PCB Disability Cover  └── PCB Critical Illness
  ├── Short-Term
  │     ├── PCB Home Insurance        ├── PCB Vehicle Insurance └── PCB Business Insurance
  └── Credit Life
        ├── PCB Loan Protection       └── PCB Credit Card Protection

DIGITAL / FINTECH
  ├── Digital Banking
  │     ├── PCB Online Banking        ├── PCB Mobile App        └── PCB USSD (*120*PCB#)
  ├── Payment Solutions
  │     ├── PCB Instant Pay (RTC)     ├── PCB QR Pay            └── PCB PayToYou
  └── API Banking
        ├── PCB Open Banking API      └── PCB Embedded Finance SDK

Full Table Catalogue

Table Name	Layer	Domain	Est. Rows	Partition	Refresh
bronze_customers	Bronze	Customer	500K	onboarding_date	Daily
bronze_accounts	Bronze	Accounts	1.2M	open_date	Daily
bronze_transactions	Bronze	Transactions	10M+	transaction_date	Hourly
bronze_loans	Bronze	Lending	300K	origination_date	Daily
bronze_payments	Bronze	Payments	500K	payment_date	Daily
bronze_credit_cards	Bronze	Cards	144K	issued_date	Daily
bronze_card_transactions	Bronze	Cards	2M	tx_date	Hourly
bronze_fraud_alerts	Bronze	Risk	50K	alert_date	Real-time
bronze_treasury_trades	Bronze	Treasury	250K	trade_date	Daily
bronze_gl_entries	Bronze	Finance	5M	posting_date	Daily
bronze_aml_alerts	Bronze	Compliance	30K	alert_date	Daily
bronze_branches	Bronze	Infrastructure	200	—	Monthly
bronze_employees	Bronze	HR	12K	—	Daily
bronze_insurance_policies	Bronze	Insurance	180K	issue_date	Daily
silver_customers	Silver	Customer	500K	province	Daily
silver_accounts	Silver	Accounts	1.2M	account_type	Daily
silver_transactions	Silver	Transactions	10M+	transaction_date	Hourly
silver_loans	Silver	Lending	300K	loan_type	Daily
silver_payments	Silver	Payments	500K	payment_date	Daily
silver_card_transactions	Silver	Cards	2M	tx_date	Hourly
silver_fraud_alerts	Silver	Risk	50K	alert_date	Daily
silver_aml_cases	Silver	Compliance	30K	case_status	Daily
dim_customer	Gold	Customer	500K	province	Daily SCD2
dim_account	Gold	Accounts	1.2M	account_type	Daily SCD2
dim_product	Gold	Products	60+	—	Weekly SCD1
dim_date	Gold	Time	7.3K	—	Static
dim_branch	Gold	Infrastructure	200	province	Monthly
dim_merchant	Gold	Fintech	50K	—	Daily
fact_transaction	Gold	Transactions	10M+	tx_date, tx_type	Hourly
fact_loan_portfolio	Gold	Lending	300K/day	snapshot_date	Daily
fact_fraud_event	Gold	Risk	50K	alert_date	Real-time
fact_aml_case	Gold	Compliance	30K	case_date	Daily
fact_treasury_position	Gold	Treasury	250K	position_date	Daily
fact_gl_journal	Gold	Finance	5M	period, entity	Daily
fact_insurance	Gold	Insurance	180K	issue_date	Daily
fact_loyalty_points	Gold	Fintech	2M	tx_date	Daily

Legend

Bronze — Raw ingestion, schema-on-read, Auto Loader

Silver — Cleansed, deduplicated, PII-masked, enriched

Gold — Star schema, SCD2, analytics-ready

Dimension — Descriptive context, surrogate keys

Fact — Measurable events, partitioned, Z-ordered

Fintech — Third-party integration layer

Regulatory — Compliance & governance tables

PK = Primary Key · FK = Foreign Key · SCD2 = Slowly Changing Dimension Type 2 · UK = Unique Key