Design a pragmatic data‑platform enablement for a mid‑tier retail bank migrating to cloud under PII and data‑residency constraints. Describe the target architecture (ingestion, storage, governance, transformation, consumption), data contracts, lineage, and access patterns. Specify SLAs/SLOs, partitioning strategy, backfill/late‑arrival handling, cost guardrails, and a 3‑wave rollout plan with success metrics. Include the one thing you would deliberately postpone and why.