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Bankware Global

BANKING TRANSFORMATION

Migrate to Cloud-based Core Banking

Move Your Core with Confidence. Operate with Greater Agility.

Establish a cloud-based core banking environment that supports controlled change, operational visibility and business resilience.

Moving core banking to the cloud requires a clear understanding of applications, processing responsibilities, data, integration and the operating model. Bankware combines banking technology, cloud-oriented application capabilities and implementation experience to support that transformation.

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01 · Business challenge

Make Cloud Transformation a Banking Decision

The value of cloud is what your bank can do differently.

Banks need to introduce services, manage technology changes and maintain dependable operations. Traditional core environments may require extensive coordination across infrastructure, applications, databases and operational teams. Cloud creates opportunities to improve provisioning, delivery, monitoring and recovery. Moving an application to cloud infrastructure does not automatically make its architecture more flexible or its operations more resilient.

Application Readiness

Determine which core banking components can operate in the target cloud environment.

Migration Integrity

Preserve accurate transactions, contracts, balances and financial records.

Operational Resilience

Establish workable monitoring, incident response and recovery arrangements.

Governance & Control

Define responsibilities across the bank, cloud provider and technology partners.

02 · Migration approaches

Choose the Right Cloud Migration Approach

Different architectures require different transformation paths.

Three migration approaches at a glance

Rehost Selected Workloads

Objective
Move suitable workloads with limited application change.
Key consideration
Existing application constraints remain.
Read approach considerations

Move suitable applications while minimizing initial application changes.

When it fits

Existing software and infrastructure dependencies can be supported in the target environment.

What changes

Move agreed workloads while preserving the existing application and processing boundaries.

What to validate

Rehosting alone does not remove underlying application or operating-model constraints.

Replatform the Core Environment

Objective
Adapt the technical environment around agreed banking processing.
Key consideration
Validate compatibility and operating procedures.
Read approach considerations

Adapt selected application and infrastructure components for cloud operation.

When it fits

The banking processing model remains appropriate, but parts of its technical environment need to change.

What changes

Adapt deployment, middleware, databases or operating processes while retaining the agreed banking processing model.

What to validate

Compatibility, performance, integration and operational procedures must be validated.

Adopt a Cloud-oriented Core Architecture

Objective
Change the architecture and processing foundation.
Key consideration
Additional migration and continuity responsibilities.
Read approach considerations

Establish a new processing foundation where existing constraints require broader change.

When it fits

The target business requires different application boundaries, deployment practices or processing capabilities.

What changes

Evaluate a new core architecture against required banking scope and retained systems.

What to validate

Replacing core processing introduces additional migration, reconciliation and business-continuity responsibilities.

Related decision

For processing replacement, examine the core modernization scope.

03 · Business value

Turn Cloud Migration into Business Value

Improve how banking services are delivered and operated.

More Manageable Change

Make application updates and releases more controlled.

What makes it possible

Repeatable provisioning, testing and deployment need suitable application boundaries and release processes.

Better Operational Visibility

Understand application behavior and transaction-related incidents.

What makes it possible

Monitoring must cover relevant applications, service dependencies and interfaces, and reach the team responsible for the service.

Stronger Recovery Readiness

Build confidence that important banking services can resume.

What makes it possible

Test recovery against transaction states, balances, outstanding instructions and financial records, as well as infrastructure.

Greater Technology Adaptability

Support future changes in banking applications and infrastructure.

What makes it possible

Architecture, supported processing scope and engineering capacity determine which changes are practical.

04 · Bankware contribution

How Bankware Global Supports Cloud Core Transformation

Combine banking processing with the technology needed to operate it.

Core processing and architecture choices

Evaluate BX-CBP or the independent BX-CoCore architecture against the target banking scope.

Core banking processing

BX-CBP

Provides relevant banking processing for selected products, accounts, contracts and transactions. Deployment architecture and cloud compatibility must be confirmed for the implementation.

Understand BX-CBP and supporting products

Alternative core architecture

BX-CoCore

An independent microservices and container-based core architecture, offered separately from BX-CBP. Examine its technical validation against the required business scope and deployment architecture.

Explore BX-CoCore architecture and validation

Application, integration and monitoring support

Combine supporting technology with the selected processing architecture where the implementation requires it.

Cloud application development

BX-CM

A Java banking application development platform for cloud development environments, with application framework and development tooling. Delivery pipelines and operating responsibilities must be specified for the complete environment.

Explore the BX-M / BX-CM application platform

Banking integration

BX-I

Supports connectivity between the target platform, retained systems, channels and external services. Transaction state, retry, reversal and reconciliation responsibilities require explicit design.

Explore BX-I integration

Performance monitoring and transaction tracing

Application Monitoring

Contributes application performance monitoring and transaction tracing within configured coverage. Establish which applications and interfaces are observed and how teams use that information.

Explore Application Monitoring

A focused microfinance SaaS option

Consider BADA as a subscribed suite where the institution’s business fits its supported microfinance scope.

Microfinance SaaS

BADA

A subscribed banking suite where the institution’s microfinance business fits the supported scope. Evaluate functions, service arrangements, change options and retained institutional responsibilities.

Examine BADA scope and responsibilities

Evaluate the target solution as a complete architecture. Application development, integration and monitoring each contribute a defined part; delivery automation, infrastructure and recovery procedures must work across the full environment.

05 · Key considerations

A Cloud Destination Is Only Part of the Decision

The value of cloud migration depends on what changes in banking processing—and how the bank operates and recovers afterwards.

Separate Hosting from Processing

Moving an application does not necessarily transfer ownership of contracts, balances or transactions. A hosting change and a change to the processing foundation have different implications. Applications, databases and retained dependencies need to be understood in relation to the banking services they support.

Recover the Banking Service

Restarting infrastructure is not the same as restoring a consistent banking service. Interrupted transactions, balances and financial records need to agree across migrated and retained systems. Recovery and cutover evidence should show that the service can resume, with reconciliation and rollback arrangements where applicable.

When a transfer is partly processed

The bank needs to establish whether the transfer completed, whether the balances are correct and whether retry or reversal is safe. Component availability alone does not answer those questions.

Choose How the Bank Will Operate

The migration approach and operating arrangement are separate decisions. Bank-operated, jointly operated and managed services place different demands on internal expertise and provider coordination. Releases, incidents, access and recovery still need clear ownership across the bank and its providers.

When operation is shared or managed

Joint operation needs workable change approvals, escalation and recovery decisions across organizational handovers. For managed or SaaS services, the bank also needs to consider supported scope, visibility, release options, portability and exit arrangements alongside its retained institutional responsibilities.

06 · Relevant experience

Cloud Banking Experience You Can Examine

Relevant banking and application implementations, with distinct scopes.

BPI BanKo

Deposits, payments and lending on a cloud platform

BPI BanKo introduced deposits, payments and lending on a Bankware cloud platform supporting continued releases and Active-Standby operation.

Explore BanKo’s cloud banking platform

BanKo illustrates cloud banking operations and continued delivery; Woori illustrates application development and CI/CD. Assess incumbent-core migration requirements separately, including data conversion, cutover and reconciliation.

07 · Next step

Plan Your Cloud Core Transformation

Start with your banking requirements, not a hosting destination.

  • What must improve?

    Identify priorities in delivery agility, operational visibility, resilience and technology flexibility.

  • What should migrate?

    Determine application scope, retained dependencies and processing responsibilities.

  • What must be demonstrated?

    Define architecture, migration controls, operational readiness and recovery evidence.

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