The engagement began with a discovery phase that revealed deep-rooted architectural and operational challenges across the client’s IT landscape.

• Legacy Infrastructure Bottlenecks

The core banking application was tightly coupled with on-premises servers. It lacked modularity, making it difficult to introduce new products or services without extensive code rewrites and testing.

• Downtime and Batch Dependency

Transaction processing occurred in overnight batches, causing delays in real-time balance updates, loan servicing, and fund transfers. Planned maintenance often resulted in downtime during peak hours.

• Integration Complexity

The legacy system supported limited integrations. APIs for credit scoring, KYC verification, and mobile banking were handled through brittle middleware prone to synchronization errors.

• Data Silos and Inconsistencies

Customer and account data were scattered across multiple relational databases. Data reconciliation was slow and error-prone, leading to reporting inaccuracies and compliance risks.

• Security and Compliance Pressure

With increasing regulatory scrutiny, maintaining compliance across fragmented systems became costly and time-consuming. The existing architecture made it difficult to implement granular access controls or maintain consistent audit trails.

The bank faced a dual imperative: modernize its infrastructure for future growth while maintaining operational continuity and compliance during migration—a delicate balance for any financial institution.

‍

By partnering with Zymr, the regional bank achieved a complete digital core transformation that enhanced agility, security, and scalability. The new infrastructure now supports digital banking products, API-based partnerships, and real-time analytics—positioning the bank for sustained growth.

In essence, this project redefined what’s possible for regional financial institutions: legacy modernization done right—secure, compliant, and built for continuous innovation.

Within nine months, the regional bank successfully transitioned to a modern, cloud-native core banking system—one of the fastest migrations in its segment.

Performance and Availability

• Achieved 99.99% uptime post-migration, compared to 97.5% previously.
  
  
• Improved transaction throughput by 10x, enabling instant payments and 24/7 account access.
  
  
• Average transaction latency dropped below 100 milliseconds, enabling real-time balance visibility for customers.
  
  

Operational Efficiency

• Reduced infrastructure management costs by 60% through automation and cloud optimization.
  
  
• Cut release cycles from quarterly to biweekly, accelerating innovation and feature delivery.
  
  
• Improved system observability and reduced incident response times by 70%.
  
  

Security and Compliance Gains

• Achieved SOC 2 Type II and PCI DSS alignment for data protection.
  
  
• Automated audit logging and access controls streamlined compliance reporting.
  
  

Customer Experience

• Enabled real-time banking features such as instant loan disbursals and mobile transfers.
  
  
• Increased customer satisfaction scores by 30% post-launch, attributed to faster services and fewer downtime incidents.
  
  

The migration not only met its performance and compliance goals but also gave the bank the technological agility to compete in a digital-first market—turning modernization into a strategic differentiator.

‍