This ebook examines the challenges European BFSI organizations face due to fragmented legacy platforms, rising operational costs and increasing regulatory pressure. It argues that platform consolidation is essential to improve agility, resilience and cost efficiency while enabling faster product innovation. The document outlines common consolidation patterns, including rationalizing core systems, modernizing data platforms and adopting modular, cloud-based architectures. It also highlights regulatory considerations unique to Europe, such as data residency and operational resilience requirements. Through examples and frameworks, the ebook shows how consolidation can reduce technical debt, simplify compliance, improve customer experiences and create a foundation for embedded finance and ecos

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