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

UST FinX Partners

jumio-partner

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.

formpipe-partner

Formpipe

Formpipe is a Swedish software company that provides enterprise content and document management solutions for both the public and private sectors globally.
It provides products and services that help organizations manage, create, and secure documents and data efficiently and compliantly.

thought-nachine-partner

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is designed to help banks and financial institutions replace outdated legacy IT technology and move their operations  to the cloud.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

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

Axxiome

Axxiome is a global financial
services solutions provider that specializes in banking and technology consulting, software development, and digital transformation for banks.

UST FinX Glue in Action

API Management

Enterprise API gateway, rate limiting, traffic control, observability

Enterprise API gateway, traffic control, observability.

API Orchestration

API Orchestration

Combine APIs into
higher-level business services

Faster delivery of customer journeys.

Integration Layer

Pre-built fintech connectors (e.g. Thought Machine, Jumio)

Rapid adoption of best-of-breed.

Business Process Orchestration

Workflow & event 
-driven automation

Streamlined operations & compliance.

BIAN Compliance

BIAN Compliance

Service domains mapped to BIAN standards

Industry-standard interoperability.

backstage-developer-hub

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.

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	Allows budget, teams, and processes to adapt gradually.
Future-Proof Outcome	End state is a fully modern, BIAN-compliant composable banking platform.