Chatbots that answer banking questions were a conference demo in 2016, a pilot program in 2019, and a budget line nobody debates...
When a debit card works on vacation, nobody thanks the reconciliation team. The visible parts of finance, apps, cards, branches, sit on...
No two American banks share the same wiring, and that single fact shapes financial systems architecture in america more than any other....
Tap to pay for groceries and you start a relay race that finishes before the receipt prints. Learning how financial systems architecture...
Swipe a debit card at a coffee shop and the payment races through layers of software older than most of the people...
When a regional US bank decided in 2024 to replace its 30-year-old core system, the project plan called for 42 months, three...
A US community bank chief executive recently described her institution’s digital transformation as “replacing the engine while the plane is in the...
The phrase “evolution of banking” tends to attract a particular kind of slide deck. A timeline runs from the Medici family through...
An estimated 43% of global banks still operate core banking platforms that are more than 20 years old, according to a 2024...
Digital banking platform revenue grew 42% year over year in 2025, reaching $28 billion globally, according to Juniper Research’s annual fintech platforms...
A US regional bank retired its last mainframe-era account-processing system in 2025, 18 years after its first attempt to replace it. Nothing...
The financial industry is at a pivotal moment. Core banking and payment systems face mounting pressure to evolve in response to challenges...
Migrating to a core banking system (CBS) is a choice, letting the network eliminate ineffective and outdated solutions while pursuing new performance...
Today we live in a world that has gone digital and every day we are moving to a more smoother system. If...
xpate has recently launched an in-house built core banking solution which links merchant and acquirer systems to offer agile, flexible and harmonized...