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BANKS

Financial AI Fabric: What Banks Should Demand from Critical Facilities

Sovereign / private AI raises the bar. Colo SLAs alone don't clear it.

Regulatory Practice15 Mar 20266 min read

Hong Kong banks are standing up private AI fabric for regulated workloads. The facilities question is no longer 'is my colo Tier IV?' It is 'can I evidence tolerance of my AI workload to severe-but-plausible failures across cooling, power and interconnect?'

Colo SLAs define availability percentages. They do not define the asset-level evidence OR-2 examiners will ask for. Hierarchy, criticality and FMEA outputs are the artefacts that close that gap.

Banks should demand access to living asset models for the halls that host critical AI operations — or bring their own reliability engineering lens and treat the colo as a third-party dependency to be mapped, not a black box to be contracted away.

Practically that means: named halls in the dependency map; shared scenario libraries covering cooling, utility and fabric loss; and a quarterly evidence refresh, not an annual PDF.

The institutions that treat facilities evidence as a first-class OR-2 control will move faster through board attestation. Those that rely on SLA language alone will discover the gap in the exam room.

Key takeaways
  • Tier certification ≠ OR-2 evidence.
  • Demand living asset models for halls hosting critical AI ops.
  • Map colo as a named third-party dependency, not a brand.
  • Quarterly evidence refresh beats annual PDF binders.
Next step

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