This white paper advocates targeted core banking modernization to deliver speed, efficiency, and customer value without the risks of full replacement. A modular approach focuses on upgrading high-impact components—such as APIs, real-time data access, and digital channels—while integrating with existing systems. This lowers cost, minimizes disruption, and accelerates time-to-market. Success factors include aligning with business strategy, leveraging cloud and fintech partnerships, and embedding agile practices. Targeted modernization enables banks to improve CX, innovate faster, and stay competitive while controlling complexity and risk.

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