Launch Above the Core You’re Keeping.
Overlay deployment, first Capability live in 10 weeks. No replacement or transformation program. The strategy behind it: The next era of finance needs a new foundation.
AFI Platform · The Event-Native Substrate
Reads and writes to the systems of record through governed events, so the digital proposition ships above a core that keeps running.
First Capability in production in 10 weeks. Nothing is migrated at launch.
See the vendors and clouds the Platform connects to
Modernizing is the Adaptive Digital Banking path for financial institutions with an existing core: ADB deploys as an overlay, reading and writing through governed events while the systems of record keep running. Launch the digital proposition customers expect in weeks, and retire legacy on your own timeline, not the vendor's.
You Already Have a Bank. You Need a Better Digital Proposition.
The Modernizing path fits institutions that recognize themselves here.
A digital proposition gap
Customers expect onboarding, accounts, payments, credit, and deposits in one modern experience. The current stack can't ship it.
A core with years left in it
The systems of record work. There's no appetite, budget, or board case for a replacement program.
A vendor queue you don't control
New products wait on someone else's roadmap. Change requests are measured in quarters and six figures.
A brand that must stay in front
The customer relationship stays with the institution, under its brand, on its terms.
Tier 1, 2, and 3 institutions fit this path; so do digital-first banks built five to ten years ago whose first-generation stack is now the legacy.
A Coexistence Strategy, Not a Big Bang.
Three steps, from wrapping what exists to retiring legacy on your own timeline.
Wrap, don’t replace
Connect your systems of record to the event-native substrate. They keep running; the substrate reads and writes through governed events.
Compose new capability
Launch modern onboarding, channels, and products above the old core. Customers get the new experience while the back office stays put.
Retire on your timeline
Migrate functions off legacy as confidence builds. The substrate makes each move incremental and reversible.
Most Modernizing Institutions Start with a Single Capability.
That's Pick & Compose in action: one Capability live in 10 weeks, the rest ready in the Platform.
Start with Hold
Accounts · Wallets
Modern accounts and wallets above the existing ledger. The common first move when the proposition gap is the customer experience itself.
Start with Move
Payments · FX
Multi-rail payments: instant schemes and stablecoin rails the current stack can't reach. The first move when payments are the pain.
Start with Lend
Credit
Credit for your retail and SMB customers, alongside accounts, payments, and deposits, above your existing core.
Start with Grow
Deposits
Term and demand deposit products launched in weeks. The first move when funding costs drive the agenda.
Expansion runs on the same integration model. The second Capability never pays the integration tax twice.
You Replace a Fragmented Vendor Stack with One Solution.
The alternative to Modernizing isn't standing still. It's another point vendor per gap: one for onboarding, one for payments, one for cards, each with its own contract, integration, and failure mode.
One integration
The event-native substrate is plumbed once. Every Capability inherits it.
One governance model
Consistent policy, audit trail, and controls across everything launched above the core.
One roadmap under your control
Compose Capabilities on your calendar, not a vendor queue’s.
Proof in the Timeline.
Start Above Your Core.
Add the substrate where it pays off first, then expand.