Market Pulse
- Rising cost-to-income ratios and ISO 20022 mandates press regional banks to modernise. Encore
Core(tm) delivers a modular, cloud-native stack that replaces legacy COBOL and siloed trade apps. Composable Architecture
- Micro-services cover deposits, lending, payments, trade LC, and SWIFT rails. APIs expose each function, enabling fintech partnerships without risky core hacks. Real-Time Ledger
- Event sourcing records every mutation; GL closes in minutes, not days. Built-in ESG sub-ledger tracks financed emissions for green-loan disclosures. Risk & Compliance
- Policy-as-code embeds Basel IV, AML, and FATCA. A graph AI flags mule-account rings, cutting fraud loss 40 %. Developer Velocity
- Sandbox, CI/CD, and SBOM signing let banks ship features weekly; open-banking connectors halve partner-onboarding time. Operational
Impact
- Early clients saw 35 % OPEX drop, 50 % faster product launch, and regulatory audit prep cut from weeks to hours. Encore
