Every regional bank CIO has sat through the same board meeting. Someone forwards an article about a money-center bank’s new machine learning platform. Someone else asks, not unkindly, why the bank doesn’t have something like it. The CIO explains, again, that the bank in the article spent more than a decade rebuilding its entire technology […]

Banking modernization is often framed as a choice between two uncomfortable extremes: continue carrying the constraints of a legacy monolith, or accept the cost and risk of replacing the core.  That framing misses a third path. A bank can progressively move high-change capabilities out of the monolith while the core continues doing what it already […]

Many UK banks already have an API programme. They have gateways, REST endpoints, microservices and integration platforms. Yet a familiar problem remains: adding the next channel, fintech partner or product still takes too long and still requires too much custom engineering. That should raise an uncomfortable architecture question. If the bank has invested in APIs, […]