The bulk of critical and sensitive data are kept in a bank's core. Today's core needs to process and operate in real time, and support multiple digital channels. There are different routes and many factors that need to be considered, such as budget, workforce skills, and huge cultural change in terms of new working methodology and enterprise-wide buy-in. Where the firm wants to focus its goals in the new digital world it inhabits, and on what core tenets it wishes to compete inform the transformation decisions the bank makes.

Finextra interviewed several industry leaders on the subject of core transformation and what it takes to build a future-proof bank, discussing the approach to change and the management thereof, the use and deployment of new technology and cloud services, how strategic partnerships can play the most valuable part, and crucially, how to deconstruct and rebuild a business while answering the demands of real-time digital client services and a yet-to-be-determined future.

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