Insights

Why SSOT is becoming the foundation of digital economy

Single Source of Truth — a fashionable term that most organizations understand as a principle but do not implement as architecture. Yet SSOT is exactly what separates countries and companies moving into digital economy from those stuck in fragmented digital facade.

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Authorial position: SSOT is not a slogan but architecture with three mandatory elements: field accountability, technological infrastructure, operating model with data steward. Without all three, SSOT remains on paper.

How this shows up in real life

In a large organization (bank, operator, government), the same data lives in several systems simultaneously. One customer has 1.5-2 versions in the bank's product systems. One citizen has 1.5-2 versions in government registries. One subscriber has 2-3 versions in operator BSS. All these discrepancies are bypassed with manual reconciliation, business rules of 'which source is right', manual reporting. Manual work cost grows with operation volume. Any regulatory data quality requirement becomes a separate painful project. Digital services for the customer work on different versions of truth and lose trust.

Why the bank ended up here

Systems were built separately as tasks emerged — each solved its problem, each considered itself a source of truth in its data. Over 10-20 years, a landscape forms without clear data owners. Declaring 'we have SSOT' does not work because there is no accountability for specific fields. Technologically — no infrastructure for identity resolution and update flows. Politically — each unit defends its data as an asset. Architecturally — no data steward role with real rights.

What teams usually try — and why it does not fix it

  • Declaration of SSOT principles in strategy — without operating model and accountability, stays on paper
  • MDM system procurement — without data steward and accountability policy, the system degrades quickly
  • Creation of data warehouse as 'single source' — but DWH is not a source of truth, it is an analytical layer
  • Appointment of CDO as SSOT owner — without mandate to enforce on product blocks, nothing happens
  • Large data cleansing program — produces point effect, discrepancies return in a year

What type of solution is actually needed

SSOT is an architectural approach with three mandatory elements. First: field accountability — for every key field, one source of truth assigned. Second: technological infrastructure — identity resolution layer, unified profile, update flows. Third: operating model — data steward role with right to resolve conflicts, work rhythm, quality control. Without any of these three elements, SSOT does not work. This is the path of Estonia (X-Road), Singapore (MyInfo), some world-class banks. Technologically achievable in any regional country, politically requires mandate at government or board level.

What to check before starting

  • Are sources of truth assigned in the organization for key data domains (customers, products, contracts)
  • Does the data steward role exist, and does it have a mandate to make decisions on conflicts
  • What is the share of data discrepancies between systems on a random sample
  • Is there a real-time update flow between systems or are data synced batch with delay
  • Is there a data quality accountability policy, or is it 'shared responsibility' = no one's

How to move step by step

  1. Inventory key data domains and current sources for each domain
  2. Assignment of sources of truth by field with participation of product system owners
  3. Formation of data steward role with clear mandate and resources
  4. Launch of technological infrastructure — identity resolution layer, unified profile, event bus
  5. Connection of product systems to update flows — phased by domains
  6. After 18-24 months — measurement of data quality, model adjustment based on real conflicts
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