50+ projects, $200M+ platform value built
Banks, fintech, insurance, and wealth management firms face an unprecedented transformation mandate. Legacy core banking systems cannot scale to real-time expectations, compliance is increasingly complex, and customers demand secure omnichannel experiences. We have helped 50+ financial institutions modernize infrastructure, accelerate core banking transformations, and launch digital products.
The Challenge
Problem: 20-30 year old mainframe cores managing $100B+ in assets cannot support real-time digital experiences. One hour of downtime can mean $500K-$5M in losses.
Why it matters: Mobile banking, API-first lending, and real-time payments are blocked by brittle core architecture.
Problem: PSD2, CCPA, GDPR, Basel III, SOX, and MiFID II overlap and evolve constantly. A regulatory misstep can trigger fines up to 4% of global revenue.
Why it matters: Compliance costs rise 15-20% annually, and reactive teams lose velocity.
Problem: Financial institutions are prime targets for ransomware, data exfiltration, and wire fraud. Average breach cost is roughly $5.9M.
Why it matters: Customer trust is existential; one breach can damage market confidence immediately.
Problem: PSD2 and Open Banking require secure APIs over systems that were never designed to expose data externally.
Why it matters: Banks that cannot expose data safely lose share to fintech competitors.
Problem: Batch fraud analytics are obsolete. Modern fraud needs streaming context and sub-second model scoring.
Why it matters: Real-time detection can reduce fraud review volume by 60-80%.
How We Solve It
01
We assess core banking platforms, define target architecture, compare lift-and-shift versus replacement, map PSD2, data residency, and audit needs, then produce an 18-month roadmap.
02
For Open Banking, we build secure API layers over legacy cores. For core replacement, we extract modules, run microservices in parallel, and migrate customers in cohorts.
03
Compliance is embedded into data pipelines, API contracts, audit trails, encryption, RBAC, and multi-region deployment architecture.
04
Kafka events are enriched with customer context, scored in less than 50ms, and routed to auto-block or investigation workflows.
Compliance
NexaCore ensures API-first architecture with audit trails, encryption in transit and at rest, RBAC, immutable transaction logs, automated compliance reporting, and quarterly regulatory testing.
| Regulation | Scope | Impact |
|---|---|---|
| GDPR | EU customer data | Access, deletion, portability, auditable consent, DPA controls |
| PSD2 | EU payments | Strong Customer Authentication, API transparency, liability rules |
| CCPA | US customer data | Opt-out rights, breach notification, data sale limitations |
| SOX | US public companies | Internal controls, reporting integrity, 404 compliance |
| Basel III | Global banking | Capital adequacy, liquidity, counterparty risk |
| MiFID II | EU investment services | Product governance and execution quality reporting |
Technology Recommendations
Temenos Transact, FIS, Fiserv, D365 Finance, or mainframe wrappers
Stripe Connect, Adyen, PayU, and exploratory distributed ledger clearing
Kafka, Apache Flink, Snowflake, and Databricks ML
Kong, Apigee, Okta, Azure AD, and HashiCorp Vault
TensorFlow scoring over Kafka streams with Redis real-time cache
Detailed Case Study
"NexaCore did not just deliver a technical solution. They understood our regulatory maze and our business model."
Modernize to PSD2-compliant real-time APIs in 18 months without disrupting $18B in daily transaction volume.
ROI Framework
We'll map the first 90 days, identify the riskiest integration points, and give you a realistic budget and timeline.