The core systems running modern banks are being rebuilt for cloud, API-first delivery, and real-time data. Coverage in this section tracks core banking modernisation, open banking implementation, ISO 20022 migration, and the platform vendors winning tier-1 mandates — including Thought Machine, Mambu, 10x Banking, and the incumbents adapting to compete.
Banks held data about their customers but kept it to themselves. Open banking changed the deal: with your consent, that data can now flow to the services you actually want to use.
Neobanks grew fast by offering free accounts — but free is not the same as unprofitable. Here is how Monzo, Revolut, Starling, Chime and their peers actually generate revenue, and why turning a profit has taken longer than the hype suggested.
Big-bang cutovers are losing. The transformation leads who are actually shipping cloud-native core banking are running greenfield-and-migrate — standing up the new ledger alongside the old and moving customers in cohorts.
BaaS promised to turn any software company into a bank. The infrastructure exists — but the Synapse collapse exposed exactly what happens when the middleware layer fails.
After years of cautious pilots, banks are moving mission-critical workloads to the cloud. The economics have become impossible to ignore.
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