Strategy and Solutions
A regional bank with over a million customers depended on its AS/400 mainframe to process daily transactions, manage accounts, and support lending services. While dependable for decades, the system had become a major obstacle to digital transformation. The bank risked losing ground to agile competitors and fintechs already leveraging cloud-native architectures.
This project mattered because the client needed to modernize not only to stay competitive but also to win back digitally savvy customers seeking mobile-first, real-time experiences.
The bank’s reliance on a rigid legacy core created several bottlenecks. Rolling out new customer products such as instant credit lines or personalized savings tools took months due to inflexible architecture. Integrations with fintech partners and wallets were slow and costly because APIs were missing. Maintenance of the aging infrastructure consumed budgets and required niche skills. Customers grew frustrated with outdated interfaces, while compliance teams struggled with manual reporting.
In short, outdated systems slowed innovation, raised costs, and left customers underserved at a time when the financial services industry was evolving rapidly.
The results were transformative. The bank doubled its speed of new feature launches, reducing development cycles from months to weeks. Operational costs fell by 30% due to cloud efficiencies and reduced dependency on legacy systems. Compliance teams reported a 60% reduction in reporting efforts. Customers responded positively to new digital-first services like mobile wallets and real-time transfers.
The modernization proved that legacy constraints could be lifted without disrupting core banking reliability.
Zymr delivered a phased modernization roadmap. We migrated transaction processing onto a cloud-native architecture, enabling elasticity and better uptime. Core services like lending, payments, and account management were refactored into APIs, unlocking digital features and enabling partnerships with fintechs. CI/CD pipelines were introduced to support agile releases, and automated rollback mechanisms reduced deployment risks.
On the compliance side, we embedded real-time monitoring, audit-ready reporting, and automated triggers for regulatory adherence. Migration was staged so that legacy systems could run in parallel during transition, ensuring stability and trust.
This approach combined stability with forward-looking innovation, giving the bank a modernized backbone for growth.
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