As financial institutions race to outsmart fraud, meet tightening regulations, and deliver hyper-personalized services, the ability to act on data in real time has become mission-critical. Lag is no longer just a performance issue — it’s a risk to revenue, reputation, and regulatory standing.
This is where Change Data Capture (CDC) is emerging as a game-changer. By enabling organizations to continuously monitor and replicate only the changes made to data across systems, CDC provides the agility needed to transition from reactive operations to real-time intelligence.
In this article, we’ll explore how leading technologies like Qlik Replicate, MicrosoftFabric, and Databricks are enabling BFSI organizations to harness CDC for real-time fraud detection, regulatory compliance, and customer intelligence —setting the stage for the upcoming webinar, “From Lag to Lead: How CDCPowers Real-Time Fraud Detection, Compliance & Customer Intelligence.”
1. Qlik Replicate: Real-Time CDC forLegacy-Heavy BFSI Ecosystems
Qlik Replicate has established itself as a frontrunner in enterprise-grade CDC by offering agentless, log-based data capture — an architecture that minimizes system load while ensuring ultra-low latency replication.
In the BFSI space, where data sprawls across SAP systems, IBM DB2 databases, main frames, and cloud-native platforms, this becomes a crucial enabler of interoperability.Qlik Replicate supports seamless data movement across these disparate systems in real time.
Key Benefits for BFSI:
· FraudDetection: Real-time ingestion of transactional data enables banks to deployAI/ML models that flag anomalous behavior the moment it happens.
· RegulatoryCompliance: CDC helps meet strict reporting timelines by ensuring that data flowing into compliance dashboards is always up to date.
· SchemaEvolution: Frequent schema changes — common in dynamic financial systems — are automatically captured and propagated without manual intervention.
· Customer360: With real-time data stitched together from CRM, core banking, and payment systems, BFSI firms can build a truly holistic view of customer journeys.
2. Microsoft Fabric: Democratizing CDC withLow-Code Pipelines
MicrosoftFabric introduces a modern, unified data platform where Data Pipelines and CopyJobs bring CDC capabilities to both technical and non-technical teams.
ThroughFabric’s low-code/no-code experience, BFSI organizations can build real-time dataflows that support:
· Incremental ingestion of customer, transaction, and risk data
· Data transformation on-the-fly
· Event-driven architecture for compliance alerting and fraud triggers
By enabling real-time change tracking via built-in connectors and transformation layers,Fabric drastically reduces the time to deploy CDC workflows — especially critical for large financial institutions where time-to-market is often a bottleneck.
Noteworthy Features:
· Governed Workspaces: Ensure secure, role-based access to sensitive financial data.
· Copy Jobs: Efficiently move only the changed data, reducing infrastructure costs.
· Interoperability:Works seamlessly with tools like Power BI, Azure Synapse, and Microsoft Purview for lineage tracking and compliance.
3. Databricks: Scaling CDC with Delta LiveTables
For BFSI institutions managing petabyte-scale data across high-throughput systems like trading platforms, core banking, and credit engines, Delta Live Tables (DLT) on Databricks offers a declarative, resilient, and scalable framework to operationalize Change Data Capture (CDC) in realtime.
Built on the Lakehouse architecture, DLT enables the creation of automated CDC pipelines that combine streaming ingestion, incremental processing, and governed data delivery—all within a single platform.
How Databricks Empowers BFSI:
· ScalableCDC Pipelines: Ingest and transform high-frequency change logs from transactional systems in real-time.
· Compliance-ReadyWorkflows: Maintain audit trails, versioned datasets, and lineage metadata crucial for regulatory audits.
· AI/MLIntegration: Feed continuously updated data into ML models for fraud scoring, churn prediction, and credit risk analytics.
· UnifiedGovernance: Through Unity Catalog, ensure consistent security and access policies across real-time and historical data.
The Strategic Payoff: Real-Time BFSI with CDC
The convergence of real-time CDC technology with modern data platforms is fundamentally transforming BFSI operations from lag-driven batch reporting to proactive intelligence. Institutions can now:
· Detect and respond to fraud as it unfolds
· Deliver accurate, near-instant compliance reporting
· Understand and anticipate customer needs at a micro level
· Reduce operational costs through leaner data pipelines and automation
How Exponentia.ai Can Help
With deep expertise in modern data architecture, real-time analytics, and AI integration, Exponentia.ai has been instrumental in helping leading BFSI organizations harness the full potential of CDC technologies. From architecting scalable pipelines on Qlik Replicate, Microsoft Fabric, and Databricks, to enabling real-time fraud detection, regulatory reporting, and customer intelligence frameworks — Exponentia.ai bridges the gap between strategy and execution.
Join the Conversation
Our upcoming webinar, “From Lag to Lead: How CDC Powers Real-TimeFraud Detection, Compliance & Customer Intelligence,” will feature live demonstrations, expert perspectives, and implementation insights into how Qlik, Microsoft Fabric, and Databricks are powering this transformation in BFSI.
Watch the webinar here: Go To Webinar
Date: July 3, 2025
Time: 1:30 PM – 2:15 PM IST | 12 PM to 12:45 PM GST
Don’t miss this opportunity to learn how tomove from data lag to real-time leadership.