Core Banking Resources

Explore practical guidance on selecting, implementing and modernising core banking software. This collection is designed for fintech founders launching a regulated financial business, as well as CTOs and technology leaders replacing a legacy core banking system.

The resources cover the decisions that have the greatest effect on delivery: what a modern core banking platform should do, how its architecture should be structured, whether to build or buy, and how to choose between SaaS, perpetual licence and source-code ownership. They also examine cloud-native infrastructure, ledgers, payments, cards, AML/KYC, reporting, APIs, integrations, scalability and migration.

The aim is to help decision-makers look beyond feature lists and evaluate the complete operating model behind the software, including implementation responsibilities, hosting, security, maintenance, regulatory change and long-term platform ownership. The guidance draws on Advapay's experience developing and implementing Macrobank, its modular core banking platform used by more than 50 payment service providers, and supporting fintech companies through the wider licensing, technology and banking-access process.