The modern retail banking core is evolving toward modular, cloud-based architectures supported by middleware, enabling banks to modernize without full system overhauls. This approach enhances scalability, agility, and cost-efficiency while supporting real-time data processing, advanced analytics, and fintech integration. Middleware bridges legacy and modern systems, improving operations with lower risk. API-driven design accelerates product launches and boosts innovation. Incremental modernization ensures business continuity, allowing financial institutions to prioritize upgrades and manage transformation risks effectively while improving customer experience.

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