Tutorial 3: Capability Decomposition & Portfolio Scoring

In Tutorial 2, you established NeoBank's architectural layers and connected strategic goals to applications and cloud environments.

In this tutorial, you will build NeoBank's Business Capability Map, the foundational anchor used by CIOs and enterprise architects to evaluate IT investment, rationalize application portfolios, and track strategic coverage.

You will learn how to:

1. Decompose business capabilities hierarchically across Levels 1, 2, and 3.
2. Apply the Gartner TIME Framework (Invest, Migrate, Tolerate, Eliminate).
3. Quantify capability health with Business Value and Technical Fit scores.
4. Project a dedicated Capability Map View (capability_map).

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1. Expanding the NeoBank Workspace Layout

We will expand the capability fragment under business/:

neobank/
├── main.ea
├── strategy/
│   └── goals_kpis.ea
├── business/
│   ├── actors.ea
│   └── capabilities.ea                   # [UPDATED] Expand with L1-L3 capabilities & scoring
├── application/
│   └── customer_onboarding.ea
└── technology/
    └── environments.ea

---

2. Expand the Capability Map (business/capabilities.ea)

In Tutorial 2, we created business/capabilities.ea with the initial cap_digital_onboarding capability. Now, we expand this file to structure NeoBank's capabilities into strategic domains (Level 1), decomposing each into operational Level 2 sub-capabilities (placing cap_digital_onboarding under Domain 2: Customer Service & Operations), and down to granular Level 3 execution functions:

neobank/business/capabilities.ea

layer "Business Architecture" {

    // Domain 1: Retail Banking Operations
    capability cap_retail_banking "Retail Banking Operations" {
        description "Core consumer banking products, deposits, lending, and transaction services"
        number "1.0"
        maturity "Defined"

        score {
            business_value 9.5
            tech_fit 8.8
        }

        capability cap_consumer_lending "Consumer Lending" {
            description "End-to-end unsecured personal loans and credit decisioning"
            number "1.1"
            maturity "Managed"

            score {
                business_value 8.5
                tech_fit 8.0
            }

            capability cap_credit_scoring "Automated Credit Scoring" {
                description "Real-time algorithmic risk and credit scoring"
                number auto
                maturity "Managed"

                score {
                    business_value 8.9
                    tech_fit 8.7
                }
            }
        }

        capability cap_payments_transfers "Payments & Transfers" {
            description "Domestic and international money movement and clearing"
            number "1.2"
            maturity "Optimizing"

            score {
                business_value 9.5
                tech_fit 9.0
            }

            capability cap_real_time_payments "Real-Time Instant Payments" {
                description "FedNow and RTP instant settlement processing"
                number auto
                maturity "Optimizing"

                score {
                    business_value 9.6
                    tech_fit 9.3
                }
            }
        }
    }

    // Domain 2: Customer Service & Operations
    capability cap_customer_service "Customer Service & Ops" {
        description "Customer engagement, account servicing, and contact center operations"
        number "2.0"
        maturity "Defined"

        score {
            business_value 8.8
            tech_fit 8.5
        }

        capability cap_digital_onboarding "Digital Onboarding & KYC" {
            description "Self-service customer registration, ID verification, and KYC"
            number "2.1"
            maturity "Managed"

            score {
                business_value 9.6
                tech_fit 9.2
            }

            relationships {
                this influences goal_double_customers "Enables rapid customer acquisition at scale"
            }

            capability cap_identity_verification "Biometric Identity Verification" {
                description "Document validation and liveness detection"
                number auto
                maturity "Managed"

                score {
                    business_value 9.2
                    tech_fit 9.1
                }
            }
        }

        capability cap_customer_support "Customer Support Operations" {
            description "Omnichannel inquiries, ticketing, and dispute triage"
            number "2.2"
            maturity "Managed"

            score {
                business_value 8.2
                tech_fit 7.8
            }

            capability cap_voice_telephony "Legacy PBX Voice IVR" {
                description "Traditional phone tree routing slated for retirement"
                maturity "Managed" 

                score {
                    business_value 4.0
                    tech_fit 3.0
                }

                lifecycle {
                    phase Run start "2018-01-01" end "2026-12-31"
                    phase Retire start "2027-01-01"
                }
            }
        }
    }

    // Domain 3: Risk & Compliance Management
    capability cap_risk_compliance "Risk and Compliance Management" {
        description "Enterprise risk management, AML fraud detection, and regulatory filings"
        number "3.0"
        maturity "Defined"

        score {
            business_value 9.2
            tech_fit 8.6
        }

        capability cap_fraud_prevention "Fraud Prevention" {
            number "3.1"
            maturity "Initial"

            score {
                business_value 9.0
                tech_fit 8.4
            }

            capability cap_transaction_scoring "Real-time Transaction Fraud Scoring" {
                maturity "Initial"

                score {
                    business_value 9.3
                    tech_fit 8.9
                }
            }
        }
    }
}

---

3. Realize Capabilities with Applications

Update application/customer_onboarding.ea to connect our applications to the capabilities they deliver:

neobank/application/customer_onboarding.ea (excerpt)

    system system_core_banking "Core Banking Platform" {
    // ... existing properties ...
        relationships {
            this realizes cap_retail_banking "Underpins core deposit accounts and retail ledgers"
        }
    
        app app_mobile_banking "NeoBank Mobile App" {
            // ... existing properties ...

            relationships {
                this serves customer "Provides self-service mobile banking"
                // Connect application to the capability it delivers
                this realizes cap_digital_onboarding "Delivers mobile digital onboarding"
                this realizes cap_consumer_lending "Customer self-service loan applications"
            }
        }
    }

---

4. Add the Capability Map View (main.ea)

In main.ea, add the capability_map projection view. The capability_map view type is specifically engineered to render hierarchical capability boxes with maturity and coverage indicators:

neobank/main.ea (excerpt)

    views {
        // ... previous views ...

        capability_map capability_map_view "Neo Bank Capability Map" {
            description "Comprehensive business capability map showing L1 domains through L3 capabilities with maturity ratings."
            tags ["Business Architecture", "Capabilities", "Maturity", "Portfolio"]

            include where layer == "Business Architecture"
            auto_layout LeftToRight
        }
    }

---

5. Visual Projection: capability_map_view

Click to explore

NeoBank Capability Map showing 3-level decomposition, maturity categorization, and scoring indicators

Key Features Promoted in this View:

• Hierarchical Nesting: Child capabilities are automatically rendered inside parent domain boxes with clean visual containment.
• Automatic Numbering (number auto): Scapius auto-computes numbering sequences (e.g. 1.1.1, 1.1.2) while respecting explicit labels (like number "1.0").
• Maturity & Coverage Overlays: Nodes provide color-coded visual treatments based on maturity ratings and application coverage.
• Scoring Badges: Displays composite business_value and tech_fit ratings directly on capability cards to guide architectural investment decisions.

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6. Validate the Capability Model

Validate the entire workspace:

scapius validate ./neobank

Validation Successful! Workspace 'Neo Bank Enterprise Architecture' is valid.

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Next Steps

Now that your business capabilities are clearly mapped and scored, continue to Tutorial 4: Security & Governance to model trust boundaries, PCI-DSS compliance, preventive controls, and STRIDE threats.