Prescriptive regulations regarding data sovereignty and privacy in Indonesia, Singapore and China are influencing ANZ's technology plans as it executes its super regional banking strategy.Speaking at an Australian Information Industry Association financial services event in Sydney, on Friday, Leslie Howatt, ANZ's head of technology for institutional Australia, said there were a number of "puzzles" that the bank was grappling with in light of its super regional strategy.These included developing information systems that would allow customer-centricity across multiple countries, while complying with different countries' regulations about where customer data needed to be located and how it needed to be treated.She said the bank was trying to work out how it could use cloud-based services across multiple jurisdictions given these regulations.She said that while there might be a "thaw" coming from Australia's banking regulator regarding the geographical location of cloud-computing data centres, this was not evident in Indonesia, China or Singapore. "[Instead], Indonesia is using its regulatory framework to build its own industry and to keep jobs and technology onshore," she said. "When you have got a government or a regulator doing that then it changes your strategy."She said that in some countries ANZ had had to establish or use a local computer centre to ensure it complied with national regulations.She acknowledged the countries were concerned about customer privacy and data security, but said there were particular challenges for super-regional ANZ because each country had quite different approaches.While managing international regulatory issues is one challenge for the bank's technologists, so is planning for international financial upheaval.Howatt said ANZ was currently using its technology platforms to prepare for any uncoupling in the Eurozone. She said the bank was "running dress rehearsals so that if and when it happens we know what to do" in the event that Greece were to withdraw from the euro.