How to manage the implementation of the UK Banking Reform Act through business architecture transformation This whitepaper explores a major challenge facing UK banks who have to respond by 2019 to new requirements created in the Financial Services (Banking Reform) Act. It explains why this has come about and what it means for their future; presenting the outcome that this legislation compels them to restructure their operations to isolate personal and business banking from the risks of investment activities. The author puts forward a methodology of how to approach this substantial task through modelling the current state and separating out the components into separate future operations. The whitepaper gives emphasis to communication to both internal and external stakeholders and stresses the importance of providing traceability of compliance.