The biggest risk is not modernizing - It is standing still

For too long, banks have been trapped by their inflexible legacy systems and fragmented solutions. UST FinX provides the path to full banking modernization:
 —Integrate once, reuse across journeys: FinX Glue standardizes integration and orchestration across your core, channels, and fintech ecosystem.
—Modernize in phases: coexist with your current core, modernize domain-by-domain, and migrate when your bank is ready.
—Operate with confidence: governance, observability, and a managed operating model aligned to banking expectations. 

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Who We Are

Who we are

We are a UST company focused  on a singular mission: to liberate banks from technological imprisonment. We solve your most fundamental challenges, backed by the global scale of UST:

  • 25 years of proven industry expertise
  • 35,000 personnel across 31 countries
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What We Do

What we do

We help banks deliver new digital and business capabilities faster by standardizing integration and operations across the core and fintech ecosystem. Our approach is designed to create early value while progressing toward a future-ready architecture, without forcing a big-bang replacement.

  • Managed composable platform anchored by UST FinX Glue (integration and orchestration)
  • Phased coexistence and modernization designed to reduce delivery and regulatory risk
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Why Partner WIth Us

Why partner with us?

Modernization fails when accountability is fragmented across vendors, integrators, and point solutions. UST FinX offers a simpler model: one platform and one accountable operating partner to reduce vendor sprawl, improve execution discipline, and strengthen controls.

  • One accountable operating model for build and run and change
  • Deliver measurable business outcomes
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The Future of Banking

 Banks need a real-time, API-first foundation that supports modern experiences and makes data usable for advanced analytics, without creating new operational burden or unmanaged third-party risk 

Our Challenge

The point-solution model doesn’t scale for mid-tier banks. Each new partner can deliver quick wins, but over time, it increases integration backlog, fragments data, and raises third-party risk, slowing delivery and increasing cost-to-serve.

Our Mission

To liberate mid-tier financial institutions from the burdens of legacy technology with the least amount of pain.

Our Approach

Our approach is anchored in UST FinX Glue, the integration and orchestration layer that standardizes APIs and data patterns across your core, channels, and fintech ecosystem, enabling you to integrate once and reuse across products and journeys.

Market Problem:

Legacy Challenges in Mid-Tier Banking

Legacy Platforms and Codebases

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Banks and credit unions operate on legacy platforms developed in the 1980s-1990s often COBOL-based.
These system feature 20–40-year-old code bases, creating significant operational challenges.

Expensive and Difficult to Replace Systems

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Legacy lock-in results in systems that are costly and challenging to replace. High maintenance fees further strain financial resources for these institutions.

Limited API Capabilities

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Legacy systems typically expose limited APIs, requiring costly and time-consuming custom integration work for any new service or third-party connection.

Customizations Challenges

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Any customization to core banking platforms typically voids vendor support agreements or requires expensive professional services engagements. Banks must choose between standardized functionality that doesn't meet their business needs or costly customizations that create upgrade barriers.

Cybersecurity Risks

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Legacy core banking platforms face heightened cybersecurity risks due to outdated architectures, unpatched vulnerabilities, weak authentication mechanisms, and limited resilience against modern attack techniques.

UST FinX Glue:

Best-of-Breed Banking Composability

FinX Glue is the integration and orchestration layer that standardizes APIs and data across your core, channels, and fintech ecosystem—so your bank can integrate once and reuse across journeys.

BIAN Compliant

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  • Ready-to-use BIAN service domains for faster alignment with modern banking standards

Real-time

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  • Integrated into modern real-time applications
  • Real-time data streaming 
  • 24/7 availability

Security

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Bank-grade security protocols, continuous monitoring, and automated threat response provide superior protection compared to legacy system vulnerabilities

Full API Coverage

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  • End-to-end automation and integration

  • Faster innovation and product delivery

  • Improved customer experiences

Bank Processes

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Accelerate delivery with prebuilt workflows 

Managed Services

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A single, integrated operations framework that combines technology expertise, proactive monitoring and continuous service improvement, ensuring platform resilience and compliance

Single Partnership into full ecosystem

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reduce vendor sprawl with one accountable model 

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Benefits of UST FinX Glue

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Accelerated Modernization:

Seamless coexistence with legacy cores while enabling new digital services.

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Composable Banking:

Pre-built integrations into leading fintech platforms.

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Open & Extensible:

Fully API-first, and designed for open banking + ecosystem growth.
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Secure & Scalable:

Enterprise-grade API management with governance, observability, and audit controls.

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BIAN-Compliant Foundation:

Ready-to-use service domains for faster alignment with modern banking standards.
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Developer Empowerment:

Integrated Backstage documentation hub with self-service APIs, SDKs, and orchestration blueprints.

Outcomes with UST FinX

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Future-proof Foundation

BIAN's standard banking language for seamless system communication.

This creates a modular, plug-and-play architecture for all components.

  • Accelerated Time-to-Market
  • Reduced Modernization Risk
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Reduced cost to build and cost 
to serve

Out of the box integrations and standardized integration approach for accelerated capability deployment

Road test new products or fintech capabilities.

  • Add Platform Capabilities Without Disruption 
  • Reduced Cost to Deploy Features
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Secure, scalable SaaS approach

Build, Modernise and Migrate With Modern Banking Solutions

Leverage best of breed market SaaS offerings
+ FinX bolt-on modules.

  • Reduce time/cost to evaluate
  • Accuracy of strategy