Retail Banking Core Banking Systems: International Edition

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14 December 2022

2022 xCelent Awards, Power by VendorMatch


A traditionally slow moving and staid market, core banking platforms in the last 5-10 years are emerging as one of the key pieces to long-term transformation initiatives. While technology adaptations have allowed banks to stave off full-blown core replacement, some institutions are reaching the breaking point. The rise in digital engagement and other emerging ways of banking (e.g. open finance) continue to stress the ability of legacy platforms to deliver while the cost burden of maintaining legacy cores grows unabated. For some institutions the time to transform is now.

This report provides in-depth overviews of the main platforms in the market today, helping financial institutions better understand the market for incumbent core platforms. Within each profile, Celent provides insight into functionality and features that are strong or present opportunities for improvement relative to the market. This report focuses on core banking platforms with clients across multiple countries and global regions, and that were not created within the past 10 years.