--- title: "UST FinX: What We Do" description: We deliver a complete, composable banking platform and a progressive, phased implementation that de-risks transformation while delivering immediate value. image: https://www.ustfinx.com/hubfs/UST%20Finx%20-%20LinkedIn%20Share%20Thumbnail%20-%20Who%20We%20Are.png --- # The Progressive Pathway to Modernization We deliver a composable banking platform and a progressive, phased implementation approach. This de-risks transformation while delivering immediate value and building towards comprehensive modernization.   ![what-we-do](https://www.ustfinx.com/hs-fs/hubfs/what-we-do.png?width=806&height=779&name=what-we-do.png) ## UST FinX Glue [![Updated FinX Glue Stack Diagram Desktop (1)](https://www.ustfinx.com/hubfs/Updated%20FinX%20Glue%20Stack%20Diagram%20Desktop%20(1).svg) ](https://www.ustfinx.com/hubfs/Updated%20FinX%20Glue%20Stack%20Diagram%20Desktop%20(1).svg?hsLang=en) ## UST FinX Partners ![Zoot Partner Logo Design](https://www.ustfinx.com/hubfs/Zoot%20Partner%20Logo%20Design.svg) Zoot Solutions Zoot Solutions is a financial technology company delivering loan origination and credit decisioning. From data acquisition and risk assessment to case management and workflow automation, Zoot gives financial institutions the decisioning intelligence and origination depth to compete in a digital-first lending market. ![jumio-partner](https://www.ustfinx.com/hs-fs/hubfs/jumio-partner.png?width=661&height=455&name=jumio-partner.png) Jumio Jumio is an online identity verification and payment company that provides digital ID and identity verification solutions to help businesses reduce fraud and meet compliance mandates like KYC and AML. ![Lasernet Partner Logo Design](https://www.ustfinx.com/hubfs/Lasernet%20Partner%20Logo%20Design.svg) Lasernet Lasernet is an end-to-end document management platform that lets you generate, design, distribute, archive, and retrieve documents across your IT ecosystem at a fraction of traditional storage costs. It’s built-in form editor creates branded, business-ready documents enriched with account-specific data from your banking core or other business systems. ![thought-nachine-partner](https://www.ustfinx.com/hs-fs/hubfs/thought-nachine-partner.png?width=661&height=455&name=thought-nachine-partner.png) Thought Machine Thought Machine is a UK-based financial technology company that develops cloud-native core banking systems. Its primary product, the Vault Core platform, is designed to help banks and financial institutions replace outdated legacy IT technology and move their operations 
to the cloud. ![comply-advantage](https://www.ustfinx.com/hs-fs/hubfs/comply-advantage.png?width=661&height=455&name=comply-advantage.png) Comply Advantage ComplyAdvantage is a leading anti-money laundering (AML) and financial crime risk detection company that provides an AI-driven platform called ComplyAdvantage Mesh for financial institutions and corporates. Its solutions help organizations identify, manage, and monitor risks related to financial crime, sanctions, and regulatory compliance. ![xxiome-Partner](https://www.ustfinx.com/hs-fs/hubfs/xxiome-Partner.png?width=661&height=455&name=xxiome-Partner.png) Axxiome Axxiome delivers omnichannel branch and teller solutions for the modern banking ecosystem. ## UST FinX Glue in Action ![api-icon](https://www.ustfinx.com/hubfs/api-icon.svg) ### API Management Enterprise API gateway, rate limiting, traffic control, observability Enterprise API gateway, traffic control, observability. ![API Orchestration](https://www.ustfinx.com/hubfs/API%20Orchestration.svg) ### API Orchestration Combine APIs into higher-level business services Faster delivery of customer journeys. ![integration-layer-icon](https://www.ustfinx.com/hubfs/integration-layer-icon.svg) ### Integration Layer Pre-built fintech connectors (e.g. Thought Machine, Jumio) Rapid adoption of best-of-breed. ![business-process-icon](https://www.ustfinx.com/hubfs/business-process-icon.svg) ### Business Process Orchestration Workflow & event
 -driven automation Streamlined operations & compliance. ![BIAN Compliance](https://www.ustfinx.com/hubfs/BIAN%20Compliance.svg) ### BIAN Compliance Service domains mapped to BIAN standards Industry-standard interoperability. ![backstage-developer-hub](https://www.ustfinx.com/hubfs/backstage-developer-hub.svg) ### Backstage 
Developer Hub Self-service portal 
with API docs, SDKs, testing tools Empower teams, reduce onboarding time. ## Pathways to Successful Transformation #### Bank & Legacy Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. #### Enrichment Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. #### Enrichment + Co-existence Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. #### Progressive Modernization Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. #### Greenfield Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. #### Complete Modernization Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. Pathways to Successful Modernization Diagram Mobile Frame FinX Legacy bank and systems Legend Fully Modernized Greenfield Bank & Legacy Systems Co existence Enrichment Enrichment + Co existence Progressive Modernization Complete Modernization ### Bank & Legacy Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. ### Enrichment Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. ### Enrichment + Co-existence Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. ### Progressive Modernization Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. ### Greenfield Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. ### Complete Modernization Expand Icon Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings in a low-cost environment. - [Greenfield](https://www.ustfinx.com/what-we-do#widget_1767078671103_tabs_1) - [Co existence](https://www.ustfinx.com/what-we-do#widget_1767078671103_tabs_2) - [Progressive Modernization](https://www.ustfinx.com/what-we-do#widget_1767078671103_tabs_3) ### Greenfield Platform Build Approach #### Standing up a completely new, modern digital banking platform separate from the legacy core, ​ with no dependency on existing infrastructure. FinX Glue provides the orchestration layer, BIAN-aligned service fabric, and pre-built third-party integrations to rapidly compose a new platform from scratch. Legacy systems are accessed only for data migration or limited interoperability during transition. | #### Category | #### Benefit | | --- | --- | | Speed of Innovation | Enables creation of a fully modern, digital-native bank ​without constraints of legacy systems. | | Clean Architecture | Avoids technical debt, designed fully around composable, API-driven BIAN principles. | | Operational Efficiency | Simplifies architecture, operations, and lifecycle ​management from day one. | | Brand Agility | Ideal for launching new digital sub-brands or greenfield ​entities under a parent group. | ### Coexistence Approach #### Co-existence approach allows the new FinX Glue-based orchestration layer to operate alongside the legacy core, enabling integration between old and new systems. New digital products and customer journeys are delivered via the modern stack, while the legacy system continues to run existing products. FinX Glue acts as the bridge between legacy cores and new digital layers, providing orchestration, integration, and harmonized APIs. BIAN service domains standardize data and process interfaces across old and new systems. Over time, additional product domains can be launched via the new stack.​ | #### Category | #### Benefit | | --- | --- | | Risk Mitigation | Avoids big-bang cutover; legacy systems continue to ​operate reliably. | | Phased Innovation | Allows selective modernization (e.g., launch digital lending while legacy handles deposits). | | Faster ROI | Quick delivery of new digital capabilities without disrupting existing operations. | | Business Continuity | No interruption to core services while digital channels evolve. | ### Progressive Modernization & Migration #### Begins with co-existence but evolves into a phased migration strategy, progressively moving business capabilities from the legacy stack into the FinX Glue platform until the old core is fully decommissioned. FinX Glue becomes the strategic orchestration and integration fabric that manages both old and new during transition FinX Glue Serves as the long-term orchestration layer connecting both worlds. Provides progressive migration paths via BIAN-aligned service domains — moving functionality (e.g., payments, deposits, lending) one domain at a time. Ensures data synchronization, API parity, and gradual cutover without customer disruption. | #### Category | #### Benefit | | --- | --- | | Controlled Transformation | Reduces modernization risk through staged replacement of legacy components. | | Sustainable Pace | Allows budget, teams, and processes to adapt gradually. | | Continuous Innovation | New digital services are delivered even while migration continues | | Future-Proof Outcome | End state is a fully modern, BIAN-compliant composable banking platform. |