A cloud-native modern banking platform for core transformation
Modular | Scalable | Secure
Core modernization built for next-generation banking
Rising customer expectations create pressure to innovate as quickly as digital competitors. Yet outdated technology slows progress, making incremental modernization necessary. Modular by design, FIS® Modern Banking Platform enables banks to modernize their core systems in manageable steps with a highly scalable, cloud-native foundation that supports real-time, personalized experiences and continuous innovation.
Enhance efficiency and agility
Without modern methods and real-time processing, delivering products faster and adapting quickly becomes nearly impossible without straining IT. Modern Banking Platform is an end-to-end, real-time, digitally enabled solution with modular, API-accessible components that let you easily add and launch new functionality while customizing for diverse markets.
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Streamline operations while supporting compliance
Without standardized processes, improving performance and staying compliant with complex banking regulations is difficult and inconsistent. Modern Banking Platform gives you a strategic view of compliance while embracing regtech to help reduce compliance costs and improve efficiency.
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Reduce guesswork and drive digital uptake
Prioritizing product-led approaches over data can slow digital adoption and prevent meaningful innovation that resonates with customers. Modern Banking Platform uses technology, such as artificial intelligence, machine learning and advanced analytics, to align products and services exactly with customer needs.
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Deliver consistent, engaging experiences
Failing to put customers first can prevent you from delivering engaging, consistent experiences across multiple channels. Modern Banking Platform helps elevate the customer experience by linking core functionality with extended component platforms, turning every interaction into an opportunity to engage further and build loyalty.
See detailsBanking your way, modernized at your pace
Open and entirely componentized, Modern Banking Platform supports innovation without disrupting other core functions. Each component is accessible through open APIs, including an extensive API library via FIS Code Connect™, supporting third-party and internal integration to build a strategic platform for growth.
Combining the right people, processes and technology
Every financial institution has its own strengths, and your modernization journey should reflect that. With FIS, you can modernize at a pace that reflects your current needs and strategic goals, creating a composable technology ecosystem while realizing tangible business benefits with minimal risk.
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Meet the businesses we serve
Explore all the financial technology products FIS has to offer
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Learn more about how FIS empowers banks to deliver fast, secure and innovative digital banking experiences to help future-proof their business and delight customers.
Modern Banking Platform
Open, componentized architecture allows greater flexibility to add or change capabilities without disrupting core operations
API-first, cloud-native design supports connectivity with third parties while scaling efficiently as demand grows
Built-in security and compliance controls help manage risk and regulatory requirements while maintaining trust as services evolve
Lower TCO
Reduce expenses and complexity by moving away from aging on-premises systems, mitigating talent scarcity and adopting a flexible, cost-efficient technology ecosystem.
Improved flexibility
Overcome constraints from outdated systems and respond effectively to market demands with a composable platform that helps deliver engaging customer experiences.
Risk management
Minimize risks by migrating systems incrementally, delivering measurable milestones and value while adapting to changing business priorities.
Enhanced security
Strengthen security across operations, enabling efficient growth with continuous, always-on risk management and compliance that stays up to date.
Modular components for modern banking
Built on a real-time, modular foundation, FIS® Modern Banking Platform supports core banking components and extended business capabilities – enabling flexibility, customization and compliance across cloud environments.Core foundational components
Foundational components
- Customer
- Product management
- Account engine
- Real-time data access
- Compliance
Product set
- Retail & Small Business Checking
- Retail & Small Business Savings & MMDAs
- Retail & Small Business Term Deposits
- Retail & Small Business Unsecured Lending
- Commercial Deposits (coming soon)
Extended business component capabilities (banks, financial institutions and fintechs)
Private cloud
- Enterprise customer
- Enterprise catalog
- Enterprise product and pricing
- Analytics and insights
- Enterprise alerts
Public cloud
- Digital channels
- Reconciliation
- Rate management
- Regulatory reports
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Hybrid cloud
- Digital Payments
- Fraud and risk
- Card management
- Loyalty
- Onboarding
Powering your unique banking ecosystem
Modern Banking Platform combines independent, integrated components into a nimble, flexible core. Components can be upgraded or replaced without disruption, enabling faster services greater agility and smoother integration through an open API framework with plug-and-play capabilities.
Deliver innovative products faster
FIS Code Connect™ provides a central access point to manage and expose targeted FIS solutions via APIs. It helps equip developers with tools for efficient integration, reducing reliance on consulting or professional services. This enables institutions to quickly build intuitive products, improve workflows, strengthen security and enhance customer experiences.
Access APIs to streamline operations
FIS’ open API library provides access to over 1,000 APIs through Code Connect with more being added continually. The APIs provide secure, stable integration, enable real-time data sharing and process automation, and help institutions apply customer preference data for more targeted engagement.
Drive value from event data
FIS® Event Broker delivers asynchronous notifications to subscribers who want to respond to events. By streamlining information flow across platforms and applications, it enables faster, more informed decisions while improving customer satisfaction and business agility.
Optimize operations with cloud flexibility
Our cloud-native platform uses the cloud’s scale, capacity and elasticity to align processes with your exact business requirements and lower operating costs. It can be deployed in public, private or hybrid environments, giving institutions the flexibility to scale resources, optimize infrastructure and adapt quickly to changing business demands.
Resources
Modern Banking Platform brochure
Cloud-native infrastructure and modern technology designed to improve agility, elevate customer experiences and prepare your bank for the future.
Fuse reliability with innovation to architect your banking future e-book
An evaluation of where you are, where you want to be and the best way to get there – at a pace that works for you.
Embrace your core transformation with the right partner executive brief
Transformation demands a comprehensive approach that combines the right people, processes and technology to maximize benefits and minimize issues.
Transform your core banking platform with confidence white paper
Success depends on your partner’s industry experience, understanding of customer demands and grasp of the risk environment and regulatory landscape.
Modern Banking Platform 25 million account performance benchmark report
Benchmarks and insights from our latest Modern Banking Platform report highlight the platform's scalability, target service levels and crucial architectural advancements.
Driving world-class bank transformation in Asia Pacific white paper
Leading banks are redefining digital transformation, highlighting the strategic priorities, technologies and modernization efforts driving agility and competitiveness.
FAQ
What does a modern core banking platform include?
A modern core banking platform typically includes real-time processing, cloud-native infrastructure, open APIs, modular components and built-in analytics. These capabilities help banks launch products faster, improve operational efficiency and support personalized customer experiences.
How does cloud-native core banking improve efficiency?
Cloud-native core banking improves efficiency by scaling with demand, reducing reliance on legacy hardware, supporting continuous deployment and enabling faster updates. It also helps financial institutions streamline workflows and lower long-term technology costs.
Why are API-enabled banking systems important for digital transformation?
API-enabled systems allow banks to connect internal components and external partners without heavy customization. This flexibility accelerates innovation, supports open banking, improves integration across the ecosystem and enables a more agile digital strategy.
Developer resources Code Connect
Explore Code Connect, an open API ecosystem that accelerates integration and empowers developers, partners and fintechs to build and innovate faster.
Let’s keep our conversation going
Learn more about how FIS empowers banks to deliver fast, secure and innovative digital banking experiences to help future-proof their business and delight customers.