Chargeback
Platform cost recovered from the business units that use it, by cost centre, in MYR. Metered on inference calls, compute hours, storage and GenAI tokens.
MYR 407,250
+14% on June
67%
of MYR 612,000 platform cost / 30d
MYR 118,000
passed through to consuming BUs
7
every BU and group function
Monthly chargeback since go-live (MYR)
Sep to Dec 2025 were showback statements only; chargeback was switched on in Jan 2026.
Chargeback by BU and meter, Jul 2026 (MYR)
Inference calls MYR 12 per 1,000 calls · Compute hours MYR 9.5 per compute-hour · Storage MYR 95 per TB-month · GenAI tokens MYR 6 per 1M tokens
Cost recovery by cost centre
What each cost centre was journalled for July, by meter, and where it stands against its compute budget.
| Cost centre | Inference calls | Compute hours | Storage | GenAI tokens | Total | Budget |
|---|---|---|---|---|---|---|
Consumer Banking CC-2100 Consumer Banking analytics | 8.3K | 46K | 13K | 17K | MYR 84,770 | 94% used |
Group Financial Crime Compliance CC-5200 Financial Crime Compliance | 5.0K | 53K | 11K | 4.2K | MYR 73,650 | 101% used |
Group Data & AI CC-4100 Group Data & AI platform | 6.5K | 49K | 9.1K | 8.4K | MYR 73,400 | Within budget |
Business Banking CC-2300 Business Banking | 3.7K | 28K | 6.1K | 9.0K | MYR 46,350 | Within budget |
Group Risk Management CC-5100 Group Risk Management | 1.8K | 35K | 5.5K | 3.6K | MYR 46,060 | Within budget |
Group Operations CC-3400 Group Operations | 4.3K | 22K | 6.7K | 11K | MYR 44,315 | 82% used |
Group Finance CC-6100 Group Finance | 1.3K | 25K | 7.9K | 4.8K | MYR 38,705 | Within budget |
Budgets and headroom per BU are on Compute budgets.
Top consuming assets
Where the metered spend goes, July 2026. The driver is the meter that dominates the charge.
| Asset | Owner | Cost driver | BUs charged | Charged / 30d |
|---|---|---|---|---|
| Policy Copilot (RAG) group-data-ai/policy-rag-copilot | Group Data & AI | GenAI tokens | 7 | MYR 45,000 |
| Card Fraud Detector group-risk/card-fraud-detector | Group Risk Management | Inference calls, streaming | 3 | MYR 38,500 |
| AML Alert Prioritiser financial-crime/aml-alert-prioritiser | Group Financial Crime Compliance | Compute hours | 1 | MYR 31,700 |
| Lead Priority Scorer group-data-ai/lead-priority-scorer | Group Data & AI | Inference calls | 3 | MYR 25,800 |
| Contact Centre Speech-to-Text group-data-ai/contact-centre-asr | Group Data & AI | Compute hours (GPU) | 3 | MYR 24,100 |
| ETB Conversion Propensity group-finance/etb-conversion-propensity | Group Finance | Compute hours, retraining | 2 | MYR 21,700 |
Vendor licences
Approved vendors are paid a fixed licence under the Bank's outsourcing and third-party risk process. The cost is passed through to the BUs that use the asset. There is no revenue share.
| Vendor | Licence | Charged to | Per month | Renewal |
|---|---|---|---|---|
| Lumen Risk Labs | Trade document extraction, enterprise tier Volume tier under renegotiation | Group Operations, Business Banking | MYR 52,000 | 2027-01-31 |
| Lumen Risk Labs | Regulatory clause retrieval Runs on Gemini on Vertex AI in the MY region | Group Risk, Group Finance | MYR 28,000 | 2027-06-30 |
| Kiraan Analytics | SME cash-flow forecasting Recommended not to renew | Business Banking | MYR 38,000 | 2027-03-31 |
| SAS (legacy) | Analytics platform licence and servers Retiring: 5 of 7 models rebuilt on the lakehouse, 145 users moved | Central, not charged back | MYR 72,000 | Saves MYR 864,000/yr |
How showback becomes chargeback
Nobody is charged for something they have not seen first.
Meter
Every inference call, compute hour, TB of storage and Gemini token is tagged with the calling BU's cost centre at source, through the service account or SSO identity.
Showback
A new BU gets three months of statements only: what it would have been charged, by asset and meter, with no journal posted. It is the time to fix tagging and set a budget.
Chargeback
After Group Finance signs off the BU's tagging, the monthly total is journalled to its cost centre on working day 3. BUs have 10 working days to dispute a line.
Reconcile
The platform's cloud bill and vendor licences are reconciled against the journal each month. What is not recovered stays as central platform cost.
One bank, one ledger. Chargeback moves cost between cost centres inside Alliance Bank; no invoice is raised and nothing leaves the Group. Group Data & AI runs the meter, Group Finance posts the journal, and publishing BUs earn budget back through reuse rebates on Compute budgets. Value & demand insights