Enterprise Capability Matrix: AI-Ready Edition

The Enterprise Business Capability Model gives architecture teams in banks, insurers, asset and wealth managers and payments firms one industry-neutral reference for the enterprise around their core operations. It defines 10 Level 1 domains, 112 Level 2 groups and 865 Level 3 capabilities, and attaches an AI profile and KPIs to every Level 3 capability, 3,369 KPIs in all. Industry-specific core operations such as lending are left out, so teams add their own beside it. The ratings describe a typical large enterprise and are meant as a starting point.

What it is

Inside the Enterprise Business Capability Model

The model describes the enterprise in three levels, from 10 Level 1 domains through 112 Level 2 groups to 865 Level 3 capabilities, each with its definition, and does not go down to Level 4. It is one model of the whole enterprise, not functional models side by side: work that crosses functions is defined once, and work above or between them, such as corporate strategy, enterprise portfolio management, public affairs, workplace and real estate, and shared services, has its own place.

The AI layer is at Level 3. Every capability there carries a profile covering work patterns, target AI mode, human oversight, AI fit, value, feasibility, data readiness, risk tier and wave, plus AI opportunities, what stays human, roles, prerequisites, key risks and workforce impact. KPIs with AI measures, 3,369 of them, sit at Level 3, and each Level 2 capability summarizes its Level 3 profiles.

For the sample capability, strategic environment analysis (EN-1.1.1), the profile proposes that AI scan licensed market research, competitor announcements, analyst coverage and industry news weekly and summarize what touches the enterprise's markets, with every source linked. The Chief Strategy Officer keeps the decision on which developments need a response, working from the Strategic Planning Lead's analysis. It is rated Moderate risk and human-in-the-loop, in Wave 1.

The Depth of the Model

It is organized as 10 Level 1 domains, 112 Level 2 capability groups and 865 Level 3 capabilities, and does not include Level 4. For more detail in one function, add that function's Capability Model, for example Finance and Accounting Capability Matrix: AI-Ready Edition, Technology Capability Matrix: AI-Ready Edition and Governance, Risk and Compliance Capability Matrix: AI-Ready Edition.

Built as One Enterprise Model

Rather than functional models placed next to each other, it is a single model of the enterprise. Each piece of cross-functional work is defined once, in one place. Work above or between functions is included too, for example corporate strategy and planning, enterprise portfolio management, public affairs, workplace and real estate, and shared services. AI appears within each domain, not as a separate one, and the model is industry-neutral, covering what enterprises do in any industry. The package's About This Model document sets out the design and why it stops at three levels.

The deliverables

What the Download Contains

The download holds the model, its AI layer and the tools to rank it:

The model

• 10 L1, 112 L2 and 865 L3 capabilities for the enterprise, each defined

AI and governance

• For each Level 3 capability, an AI profile covering work patterns, target AI mode, human oversight, AI fit, value, feasibility, data readiness, risk tier and wave, with AI opportunities, what stays human, roles, prerequisites, key risks and workforce impact
• 3,369 KPIs at Level 3, AI measures included
• Level 2 summaries that roll up the Level 3 profiles beneath them
• A prioritization model scored with your ratings and weights
• An AI heatmap across the entire model
• An AI readiness assessment with 40 questions

Files and terms

• The Capability Navigator, which opens the full model in a web browser with search and filters for AI mode, oversight, risk tier and wave
• To begin, a Welcome document; then About This Model, the capability map deck, standalone capability definitions and KPIs documents, the Excel workbook, the user guide
• Bonus files included: an enterprise glossary, A Practical Guide to Business Architecture, a capability modeling overview, an AI-ready capability profile template and capability relationship mapping templates
• Corrections free of charge, and new versions free for 180 days after purchase

Your organization's name and license ID are printed in every file. Ratings reflect a typical large enterprise; treat them as a first draft of your own.

The Problem Behind It

Many firms build their enterprise capability map by collecting a list from each function and joining them. Treasury, finance, operations and technology each describe overlapping work in their own terms, and work that belongs to none of them, such as portfolio management or shared services, is left out. An AI plan drawn from that map counts some opportunities twice and misses others, and the governance group cannot compare proposals rated on different scales.

This model is defined from the enterprise level. Each capability has one definition and an AI profile on the same scales as all the others, so a proposal from procurement and one from strategy can be ranked together. Leadership sees where AI is concentrated, which domains carry the higher risk tiers and in which wave each falls, without reconciling a set of departmental maps first.

Who It Is For

Enterprise architecture teams. Use the model as the enterprise reference beneath the industry model, and map applications, data and initiatives to its IDs.

Strategy and planning teams. Link strategic priorities to the capabilities that deliver them and read the investment portfolio by domain.

CIOs and technology leaders. Plan AI and application spending across domains from the profiles, the rollups and the prioritization model.

AI program and transformation offices. Build the enterprise AI roadmap from the ranked profiles, the waves and the readiness assessment, and report progress by capability.

Operating model and shared services leads. Set shared services, centers of excellence and business unit boundaries on one definition of cross-functional work.

Putting it to work

Use Cases

Ranking AI opportunities in every domain. Rescore the Level 3 profiles with your own ratings and weights to rank AI opportunities across the enterprise. The Level 2 rollups show where opportunity and risk cluster, which informs where the program begins.

Connecting the enterprise to the industry model. Keep core operations, such as lending or claims, in the industry model and use this one for everything around them. The stable IDs give both models a shared key.

Reviewing the application estate. Map current applications to the 865 Level 3 capabilities to find duplicates, gaps and systems that support work the firm no longer needs.

Integrating an acquisition. Map both organizations to the model, compare how each performs the same capabilities and decide which processes, systems and teams combine. Capabilities only one side has become explicit decisions.

Designing shared services. Use the single home for cross-functional work to decide what is centralized, shared or kept in business units, with no duplicate definitions to settle first.

Linking strategy to investment. Tag projects with the capabilities they change and compare the portfolio by domain with strategic priorities, so capabilities with no investment, or with overlapping investments, are visible.

The economics

The Alternatives

An enterprise capability model reaches into every function, so it is one of the harder architecture artifacts to produce and keep consistent. There are three usual routes.

• Building it from a blank slate. Architects gather lists from each function, settle names and overlaps, place cross-functional work and review every domain with its owner. Adding AI profiles on consistent scales to 865 capabilities is another large piece of work, and consistency across authors is hard to hold.
• Hiring consultants to build it. An outside firm arrives with a structure and works faster, but a large part of the engagement drafts the generic enterprise model all organizations share, in that firm's conventions, and the work often stops when the engagement does.
• Starting from this model. The firm begins with one enterprise model, each capability defined once and profiled, with KPIs and a scoring model already consistent. Effort goes to ratings, adding the industry's core operations and agreeing on ownership.

Advisers remain useful alongside the model. Their time is better spent tailoring it to the firm, adding the core operations it omits and facilitating the decisions it surfaces than drafting generic definitions.

Getting Started

An architecture team can go from the download to a ranked list of opportunities in these steps:

1. Read the Welcome document and About This Model for the three levels and the single-model design.
2. Filter the Capability Navigator, which opens in a web browser, by AI mode, oversight, risk tier and wave.
3. Put the firm's core operations beside the model and note where a functional model should add depth.
4. Rescore the Level 3 profiles with your own ratings and weights in the workbook.
5. Run the 40-question readiness assessment and compare it with the top of the ranking.
6. Tag applications and initiatives with capability IDs so the portfolio reads by domain.

Public sample

A Sample Profile

The sample, 0.09% of the content, is one capability profile: strategic environment analysis. The fields below come from the Strategic Environment Analysis (EN-1.1.1) AI profile:

• AI mode: Augment
• Oversight level: Human-in-the-loop
• Risk rating: Moderate
• Wave: Wave 1
• Fit, value, feasibility and data readiness scores: 4, 4, 4, 3 on a 1–5 scale
• Patterns of work: Analysis & insight, Knowledge retrieval
• What AI could do: Scan licensed market research, competitor announcements, analyst coverage and industry news each week and summarize the developments that touch the enterprise's markets, with a link to every source
• What people decide: The Chief Strategy Officer decides which external developments the strategy must respond to, on the environment analysis the Strategic Planning Lead prepares

Upgrading Later

Buy this edition now and, if you upgrade to the Enterprise Business Architecture Package: AI Transformation Blueprint within 90 days, its full price counts against the upgrade. Email your order number to support@finantrix.com for a one-time checkout code.

Read before you buy

Common Questions

How does it fit with the functional capability models?

It models the enterprise as a whole. The functional capability models, each written from inside one function, repeat many of these capabilities, often in more detail. Take the enterprise view from this model and the full depth of a function from that function's model.

Does it go down to Level 4?

No. It runs from Level 1 to Level 3 and does not include Level 4. For more detail in one function, add that function's Capability Model, for example Finance and Accounting Capability Matrix: AI-Ready Edition, Technology Capability Matrix: AI-Ready Edition and Governance, Risk and Compliance Capability Matrix: AI-Ready Edition.

Is it built for one industry?

No. The model is industry-neutral and describes what enterprises in every industry do; core operations particular to one industry, such as lending in a bank or patient care in a hospital, are left to the industry model.

Can our internal AI tools use the content?

Yes, inside your organization. The Enterprise license covers internal tools, including assistants and agents you run yourselves. No license permits using the content to train, fine-tune or prompt AI systems on behalf of third parties.

Does it address AI laws and regulations?

No. The model is business architecture by intent: its capabilities and AI layer describe what the enterprise does and where AI fits, which holds under whatever laws apply to you. The risk tiers and oversight levels are lasting practices for your compliance team to map to the jurisdictions you operate in.

What happens when the 180 days end?

The license continues with no end date, and corrections stay free for as long as you use the files. New versions released within 180 days of purchase are free, and we email a download link for each. After that nothing renews, and new versions are offered at 25% off.

Could an AI assistant write this instead?

An AI assistant can draft an enterprise capability list in a minute, which helps for orientation. Run it twice and the list changes, usually assembled function by function with overlaps and gaps left unchecked. A firm deciding what to automate, under whose oversight and in what order needs a structure that holds up in review. Here 10 L1, 112 L2 and 865 L3 capabilities have stable IDs and one definition each, every Level 3 capability has an AI profile and a risk tier, and 3,369 KPIs, Level 2 rollups, a prioritization model and a 40-question readiness assessment use your own ratings and weights.