The core banking system is the most critical and hard-to-transform infrastructure for financial institutions; yet it must be modernized. Progressive transformation based on componentized, open API technologies is a strategically sound way of de-risking transformation and bringing "wins" to the process.
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Banks globally have focused on customer-facing innovation since 2010. Digitization and more agile competition have driven the need for financial institutions to transform the way business is done, from the experiences delivered to customers — retail,small and medium-sized business, and corporate clients — to the ability of the infrastructure to be agile and responsive to market trends.