Company
Date Published
Author
Sami Ahmed
Word count
1935
Language
English
Hacker News points
None

Summary

The financial industry is evolving to adopt modern core banking systems that can respond and scale to meet customer demand in near-real time. Traditional mainframe-based architectures are being replaced by event-driven streaming data platforms, which enable banks to unlock their critical mainframe data, minimize disruptions, and power their ever-growing landscape of cloud-native applications and systems. The key technologies used in the modern core banking stack include unlocking core banking system of record, enriching data in real-time with Apache Flink, decoupling system of record and system of access with MongoDB, and writing data out to a non-relational DB like Mongo Atlas. Mainframe migrations are being done incrementally, often through connectors like MQ on Z and Oracle CDC, which reduce costs by 90% or more, depending on the solution. The modernization process is slow, iterative, and typically not big bang, with many large financial institutions still in the early innings of this modernization.