Challenge
Big-bang rewrites of the core are high-risk.
Agnotic approach
We use the strangler pattern to modernize incrementally, delivering value without a single perilous cutover.
Core Banking
Core Banking Modernization Services
We modernize legacy banking platforms without betting the bank — decomposing monoliths into APIs and microservices, migrating to the cloud, and strengthening security, so your core becomes a foundation for digital banking rather than a constraint on it.
ISO 20022PCI DSSSOC 2Cloud-native
Trusted by global innovators
What core banking modernization involves
A legacy core is the hardest system in the bank to change and the most expensive to leave alone. Modernization is rarely a big-bang rewrite — it is a careful decomposition: exposing the core through APIs, peeling off capabilities into microservices, migrating to cloud infrastructure, and doing it all while the bank keeps running and regulators keep watching.
The hard part is risk, not technology. Data migration has to be exact, downtime is unacceptable, and every change touches compliance. We use the strangler pattern to modernize incrementally, run old and new in parallel with reconciliation, and align to ISO 20022, PCI DSS, and SOC 2 throughout — so the core gets modern without a high-stakes cutover.
Architecture
See how we modernize a banking core — API layer, microservices via the strangler pattern, cloud migration, and parallel-run reconciliation.
Common failure modes
Core modernization pitfalls — and how we handle them
Challenge
Data migration errors are catastrophic in banking.
Agnotic approach
Staged migration with parallel run and account-level reconciliation before anything is decommissioned.
Challenge
Downtime is unacceptable.
Agnotic approach
Zero/low-downtime cutover strategies with rollback, validated in rehearsal before production.
Challenge
Every change touches compliance.
Agnotic approach
ISO 20022, PCI DSS, and SOC 2 alignment and auditability built into the modernization from the start.
Core Banking Modernization Capabilities
The modernization surface we deliver for legacy banking cores.
API enablement
Expose the core through secure, well-designed APIs so channels and partners can build on it.
Microservices decomposition
Peel capabilities off the monolith into services using the strangler pattern.
Cloud migration
Migrate to cloud-native infrastructure with resilience, scalability, and cost control.
Security & compliance
Strengthen security posture and align to ISO 20022, PCI DSS, and SOC 2.
Where it runs
Core modernization work we deliver
Legacy decomposition
Break a banking monolith into maintainable, independently deployable services.
API banking
An API layer that opens the core to digital channels and open-banking partners.
Cloud migration
Move core workloads to the cloud with resilience and cost governance.
Payments modernization
ISO 20022 migration and modern payment rails.
Data migration
Exact, reconciled migration of accounts and history.
Channel integration
Connect the modernized core to web, mobile, and partner channels.
Modernization without betting the bank
Core projects fail on risk and migration, not architecture. We modernize incrementally with reconciliation at every step.
Strangler
Incremental, not big-bang
Parallel-run
Reconciled before cutover
ISO 20022
Payments-ready
Standards we build against
Banking modernization standards
ISO 20022PCI DSSSOC 2OAuth 2.0PSD2ISO 27001
Our Process
How we deliver core modernization
Risk-managed, incremental modernization with reconciliation throughout.
1.
Assessment & roadmap
We assess the core, dependencies, and compliance surface and build an incremental roadmap.
Risk-mapped
2.
API & service design
We design the API layer and first services to peel off the monolith.
Strangler
3.
Migrate & reconcile
Staged data migration with parallel run and account-level reconciliation.
Reconciled
4.
Cutover & operate
Low-downtime cutover with rollback, monitoring, and support.
Safe cutover
Why Partner With Us
15-Minute Scoping CallWhy teams trust us with core modernization
Modernization that respects the risk banking carries.
Compliance-first
ISO 20022, PCI DSS, and SOC 2 alignment and auditability throughout.
Banking depth
Fluent in core systems, payments, and the regulatory surface.
Risk-managed
Incremental delivery with reconciliation, not a big-bang gamble.
Full-stack fluency
From core APIs to cloud infrastructure, delivered as one program.
Frequently Asked Questions
Modernization is a program, not a project — the first API layer or extracted service can land in a few months, with the broader estate modernized incrementally over quarters. Because we use the strangler pattern, value arrives continuously rather than at a single distant cutover, and the timeline scales with the core's complexity and compliance surface.
Ready to modernize your banking core?
Tell us about your core and constraints. We will return a phased, risk-managed modernization roadmap.
contact@agnotic.com
Partnerships
contact@agnotic.com