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02

Modernisation

Replace or rebuild core platforms without betting the company.

Modernisation replaces or rebuilds the core platforms an organisation runs on: core banking, payments, policy and wealth platforms, digital channels and the infrastructure beneath them. Transformativ leads it with the risk designed out, through staged releases, parallel runs and rehearsed cutovers, and independent of every technology vendor. Our people have led core platform replacements for major Australian banks and platform businesses.

WHEN WE'RE CALLED

The moments a legacy platform becomes a board problem

  1. MOMENT 1

    The core is holding everything back

    Every new product, regulatory change and channel improvement runs into the same aging platform.

  2. MOMENT 2

    A vendor decision is due

    A contract is ending, prices are rising or support is fading, and the board needs a sound choice.

  3. MOMENT 3

    A regulator is watching

    Operational resilience, payments reform or data obligations have made the platform a risk that can't wait.

  4. MOMENT 4

    A modernisation has stalled

    The program is over budget or behind, and confidence in the go-live is falling.

CORE PLATFORMS

Replacing the core, safely

  1. 01

    Core replacement

    New core platforms for banks and mutuals, from the first product line to full migration, with the legacy platform retired last.

  2. 02

    Vendor-independent platform decisions

    Options assessed on business value, cost and risk, with no preferred vendor, so the board's choice stands up to scrutiny.

  3. 03

    Coexistence and staged migration

    The new platform run alongside the old one, proven on a single product or segment, then customers moved in tranches.

  4. 04

    Integration and testing

    The new core connected to every system around it, with high-fidelity testing and parallel runs before any customer moves.

CHANNELS, PAYMENTS AND CLOUD

Modernising what sits around the core

  1. 01

    Payments modernisation

    Real-time payments, card and scheme connectivity, and the payments reform a regulator expects.

  2. 02

    Digital channels

    Customer and staff channels rebuilt on the new platform, so the benefits reach the people who use them.

  3. 03

    Cloud migration

    Applications and data moved to the cloud with security, resilience and cost designed in from the start.

  4. 04

    Legacy upgrades and low-code

    Where replacement isn't the answer, legacy platforms upgraded or extended with low-code tools to buy time and value.

DEFINE, ACTIVATE, SCALE

One framework, from the platform decision to a retired legacy core

How we deliver end to end →
  1. 01 · DEFINE

    Choose the platform and the path

    The target platform, the business case, the vendor choice and the migration architecture, set out for a board decision.

    OUTCOME

    A board decision on the platform, the vendor and the migration architecture.

  2. 02 · ACTIVATE

    Prove it with a first release

    A value-dense first release live on the new platform, proven with real customers and real volume.

    OUTCOME

    A first release live on the new platform, with real customers and real volume.

  3. 03 · SCALE

    Migrate in tranches, retire legacy

    Products and customers migrated in tranches, each rehearsed and reconciled, then the legacy platform decommissioned.

    OUTCOME

    Every product and customer on the new platform, and the legacy core switched off.

A man holding a payment card while using a laptop at home
CASE STUDY

A new core banking platform, live in nine months

9months
to a live core banking platform, the world's fastest SAP core banking rollout at the time
30+
systems integrated, with the first release delivered within its $61M budget
18 to 3months
product release cycles
Read the case study →
SERVICES INVOLVED

The services that carry a modernisation

QUESTIONS

Common questions about modernisation

It depends on scope and on how much is delivered in the first release. A first product line can go live within a year; migrating the full customer base usually takes longer, in tranches. In one program we led, a new core banking platform went live in nine months, the world's fastest SAP core banking rollout at the time.

Run the new platform alongside the old one, prove it on a single product or segment first, migrate customers in tranches, rehearse every cutover, and decommission the legacy platform last. Independent assessment of the vendor and independent technical assurance close the other common failure points.

For most banks, phased. Moving customers in tranches, with the option to pause between them, keeps any single cutover from putting the whole customer base at risk. The approach should be chosen deliberately, with the alternatives properly considered.

Yes. We are independent of every technology vendor, so we assess the options on business value, cost, risk and fit, and help the board make a decision it can defend.

Yes. The mutual sector faces a core banking decision that can no longer be deferred, and the same coexistence-first method that de-risks major bank programs works at mutual scale and budget.

We start with a candid assessment of scope, plan, vendors and the business case, then reset the plan around a value-dense first release and a staged migration the board can back.

NEXT STEP5 MINUTES

Know where your program stands before the next dollar goes in.