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In the software development process, a reference implementation (or, less frequently, sample implementation or model implementation) is the standard from which all other implementations and corresponding customizations are derived.An improvement to a reference implementation reflects an unchanging specification.rom Wikipedia, the free encyclopedia. A reference implementation is, in general, an implementation of a specification to be used as a definitive interpretation for that specification (This definition is a bit grandiloquent but works).
Instead, whatâs required is a fundamental re-evaluation of how a bank delivers value. From a technology point of view, the key to enabling transformation is first developing a more nimble and efficient reference architecture. An example of how such a reference architecture might look is shown in Figure 1. At a strategic level, a reference architecture determines the best delivery method for specific technologies within an institutionâs IT infrastructure. It documents the hardware, software, specifications and configurations needed to deliver IT resources in the most efficient manner, and provides the standard for change.