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A Smart Path Forward: De-Risked Transformation with Real Strategic Control

Your transformation journey doesn’t need to start with a high-risk, rip-and-replace programme. Our blueprint takes a pragmatic, modular approach — tackling the highest-impact areas first, integrating seamlessly with your existing infrastructure, and delivering measurable outcomes at each stage.

This layered transformation model is designed to give you strategic control while accelerating delivery, ensuring every investment contributes to long-term agility and competitive strength.

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Layer 1 — Cloud-Enabled Core Simplification

Rationalise and modernise core banking functions without the disruption of full replacement. Reduce technical debt and operational complexity, freeing capacity for innovation. Use modern APIs and containerised services to integrate with new and existing systems.
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Layer 2 — AI & Data Layer for Smarter Operations

Establish a unified, cloud-based data platform capable of real-time processing. Enable advanced analytics, personalisation, and risk modelling across the bank. Support compliance reporting and decision-making with accurate, accessible data.
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Layer 3 — Composable, Customer-Centric Channels

Deploy digital experiences that match those of challenger banks in terms of speed and usability. Launch and iterate on products in weeks rather than quarters. Personalise customer journeys across mobile, web, and branch touchpoints.
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Layer 4 — Stronger Risk & Resilience Posture

Build regulatory resilience into your architecture from day one. Enhance fraud prevention, cybersecurity, and business continuity through modern cloud-native infrastructure. Ensure scalability and flexibility to adapt to evolving market and compliance demands.

"This isn’t about vendor lock-in. It’s about future-unlock."

Adopting Vault Core unlocks full ownership and independence of the product roadmap, while providing the real-time data capabilities for advanced AI and hyper-personalization.