Core Banking Modernization

Stop worrying about the dangers of replacing your entire banking system at once. We use a step-by-step approach that wraps your old systems in modern, high-speed software. This gives you a massive boost in performance and speed while keeping your bank online and 100% available at all times.

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Modernize without the downtime risk

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Legacy core banking systems often cause high latency, frequently exceeding 500ms. These systems are difficult to scale and act as bottlenecks that block innovation. Traditional modernization approaches are often avoided because they require risky big-bang migrations that can disrupt entire banking operations.

Client Results and Success

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Healthcare SaaS Platform

We modernized Dentify’s onboarding workflows by introducing AI-driven automation and optimizing backend workflows, reducing friction in doctor onboarding and improving operational efficiency.

35%

Improvement in the doctor's efficiency for treatment planning

40%

Reduction in onboarding completion time

Consumer Commerce Platform

We executed a comprehensive cloud infrastructure overhaul for this digital banking platform to eliminate over-provisioning and inefficient resource allocation. By rightsizing database instances and automating environment scaling, we stabilized the backend while slashing overhead.

60%

Reduction in monthly cloud costs

$4800

Saved per month

$57,000+

Annual savings

AI-Powered Mobile Banking App Modernization

We upgraded a public sector bank’s mobile app to improve performance, security, and customer experience using event-driven architecture and real-time processing.

downtime updates

100%

real-time processing

Fintech Admin Engine

We built a centralized, high-concurrency admin platform for this North American fintech to manage cross-border payments. The architecture allows for regional feature toggling and real-time monitoring across multiple countries from a single interface.

120k+

Active Users in UK, Canada, Europe, and Australia

400M+

Global Payments Processed Annually

350k+

Downloads Across iOS and Android

Business Impacts We Have Made

56%

Latency Reduction

10x

Performance Boost

100%

System Uptime

+40%

Developer Velocity

Our Customer Experience and Onboarding Services

Strangler Fig Pattern Implementation

We incrementally replace legacy monolithic functions with modern microservices. This avoids risks by wrapping legacy OBP and FlexCube systems in high-performance Golang layers.

SOAP/XML to gRPC/REST Conversion

We modernize the communication protocol of your core. Our centralized OBP Proxy Service handles complex XML transformations, exposing clean REST APIs for frontends and gRPC for internal services.

Multi-Tier Redis Caching

We implement intelligent caching strategies with optimized TTLs. This reduces the load on the core banking system by serving frequently accessed data directly from high-speed memory.

Traffic Shadowing and Verification

Before going live, we use traffic shadowing to test new services with real-world production data. This validates performance and logic without affecting the live user experience.

Connection Pooling Optimization

We re-engineer how your application interacts with the core database, preventing connection exhaustion and ensuring stable performance during peak transaction periods.

Independent Service Scaling

By containerizing modernized functions with Kubernetes, we allow individual banking modules (like Payments or Ledgers) to scale independently based on demand.

Engineering Digital Banking for Global Enterprises and Agile Startups

Customer Experience and Onboarding

We help enterprises acquire customers faster without compromising compliance or security.

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Core Banking Modernization

By re-architecting infrastructure and optimizing data pipelines, we enable faster customer interactions and real-time processing.

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Retail Banking Services

Our solutions focus on intuitive UX, secure authentication, and high availability to support peak traffic without performance drops.

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Loan Services and Credit

We integrate KYC, risk scoring, and audit trails to ensure transparency and regulatory compliance.

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Money Transfers and Payments

We implement secure, multi-mode payment infrastructures that support UPI, NEFT, RTGS, IMPS, and internal transfers within a unified experience.

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Credit Card Management

A Unified Card Platform that handles credit card life-cycle management, from instant digital issuance to real-time transaction tracking.

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Core Banking Modernization Services by Engineers Who Have Delivered 1000+ Projects

Production-proven implementations with enterprise-grade architecture.

Our Golang microservices wrap each domain of the legacy core banking system. Golang's concurrency model and low memory overhead make it well-suited to the high-throughput, low-latency requirements of a banking API layer sitting in front of a SOAP system.

gRPC handles service-to-service calls within the microservices mesh. Binary serialization over HTTP/2 reduces the payload and round-trip overhead that SOAP/XML introduced at every internal call boundary.

REST APIs are exposed to the frontend layer. Teams consuming these APIs work against a standard interface without needing awareness of what is running behind it.

Redis multi-tier caching is configured per data domain. TTL values are set based on the update frequency and consistency requirements of each data type, not applied uniformly across the system.

Kubernetes manages the independent scaling of each microservice. Services with high call volumes can scale horizontally without affecting services that do not need additional capacity.

Audit trails are maintained throughout the migration. Regulatory reporting requirements are not disrupted during or after the modernization.

Our Latest Thinking in Core Banking Modernization

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Accelerate Your AI-Native Digital Banking Transformation

Speak with our digital banking experts about modernizing legacy systems, improving performance, or building a new banking platform without disrupting critical operations.

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FAQs About Our Core Banking Modernization Service

The Strangler Fig Pattern is an incremental migration approach where new services are built alongside the existing system rather than replacing it all at once. Each new microservice takes ownership of one domain, account queries, transaction lookups, and balance checks, while the legacy system continues handling everything else. Over time, the legacy system's responsibilities shrink until it is either fully replaced or isolated to a minimal footprint. In core banking, this approach is used because a big-bang replacement requires a cutover window where the system is unavailable. For a bank processing live transactions, that window is not acceptable.

The OBP Proxy Service handles all translation between the legacy SOAP/XML interface and the gRPC layer that the new microservices use. Existing integrations that already speak SOAP continue to work unchanged — they communicate with the proxy, which translates their requests and routes them appropriately. New services built on gRPC never interact with SOAP directly. The translation boundary is maintained in one place, which makes it auditable and testable.

It means the production system remains live and serving real user traffic throughout the entire migration. There is no scheduled maintenance window during which the banking app goes offline. Traffic shadowing is used to validate new microservices: a copy of live traffic is sent to the new service in parallel with the existing one, and the outputs are compared before the new service takes over. Only after validation does traffic shift.

TTL values are set per data type based on its update frequency and its tolerance for staleness. Balance data — which changes on every transaction — has a short TTL or is invalidated on write. Reference data — product terms, branch details — has a longer TTL because it changes infrequently. Session data is scoped to the session lifetime. Caching is not applied uniformly; it is tuned to the consistency requirements of each domain.

No. Audit trail continuity is a specific requirement built into the architecture. The Golang microservices maintain the same audit logging as the legacy system. Regulatory reporting is not disrupted during the migration or after it.

Scope determines timeline. A single-domain modernization — wrapping one OBP service boundary in a Golang microservice with Redis caching and gRPC — can be delivered in eight to twelve weeks. Full platform modernization across multiple domains runs longer and is typically phased, with each phase delivering production-live services before the next begins.

The Strangler Fig Pattern and the Golang wrapper approach are not specific to OBP or FlexCube. The feasibility with other platforms depends on the API surface available for integration. We assess this during the discovery phase.

The system is handed over production-ready, benchmarked, and documented. Your team can maintain and extend it independently. We do not build on proprietary frameworks that require ongoing vendor involvement to operate. If your team wants a formal support arrangement post-launch, that is a separate conversation.

Core Banking Modernization

Modernize without the downtime risk

Client Results and Success

Healthcare SaaS Platform

Consumer Commerce Platform

AI-Powered Mobile Banking App Modernization

Fintech Admin Engine

Business Impacts We Have Made

Our Customer Experience and Onboarding Services

Strangler Fig Pattern Implementation

SOAP/XML to gRPC/REST Conversion

Multi-Tier Redis Caching

Traffic Shadowing and Verification

Connection Pooling Optimization

Independent Service Scaling

Engineering Digital Banking for Global Enterprises and Agile Startups

Customer Experience and Onboarding

Core Banking Modernization

Retail Banking Services

Loan Services and Credit

Money Transfers and Payments

Credit Card Management

Core Banking Modernization Services by Engineers Who Have Delivered 1000+ Projects

Our Latest Thinking in Core Banking Modernization

How to De-Risk AI Product Investments Before Full-Scale Rollout

Credit Card Fraud Detection and Prevention Strategies for Businesses in the USA

The Three Pillars of Digital Trust: Encoding, Hashing, and Encryption

Beyond Throttling: Rate Limiting as a Strategic Layer in Modern API Systems

How Workflow Automation Powers Scalable Digital Platforms

AI as a Catalyst for Digital Transformation and Expansion

Accelerate Your AI-Native Digital Banking Transformation

Contact us

FAQs About Our Core Banking Modernization Service

What is the Strangler Fig Pattern, and why is it used for core banking modernization?

How does the SOAP to gRPC conversion work without disrupting existing integrations?

What does zero-downtime migration mean in practice?

How is Redis caching configured without serving stale data to users?

Does the modernization affect regulatory audit trails?

How long does a core banking modernization engagement typically run?

Can this approach work with core banking platforms other than OBP and FlexCube?

What does the engagement look like once the system is in production?