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.
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.
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.
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.
A practical guide to cloud-native core-banking migration patterns, the limits of public case studies, and the controls a bank should test before moving customer cohorts.
Independent fintech analysis — AI in banking, payments, crypto, and regulation. No spam, unsubscribe any time.
By subscribing you agree to our Privacy Policy.