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Bankers are navigating stormy seas in a waterlogged ship. Even as banks are engulfed by the credit crisis and market meltdown, bankers must continue to satisfy demanding customers with an array of innovative products in a highly competitive market facing rising costs and shrinking margins. To sail through the raging cross-currents, banks need a robust and sophisticated yet streamlined technological rudder. However, despite core banking systems being mission critical, many banks continue to use ones designed decades ago, when business requirements were very different. These ageing, creaky systems lack the agility, cost-effectiveness, flexibility, and scalability needed to meet today's challenges and fail to provide a foundation for future growth.
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