Why 24/7 Resilience Matters Now
The banking industry stands at a critical inflection point. As real-time payments, continuous operations, and fintech integrations become the new norm, financial institutions must modernize without sacrificing uptime or customer trust.
Key insight:
Resiliency is no longer just a technical goal — it’s a strategic necessity that directly influences agility, reputation, and market leadership.
The Coexistence Challenge
Modernization rarely happens overnight. Most banks are operating hybrid environments — legacy cores running alongside modern platforms and APIs. This duality introduces both business and technical challenges, such as:
- Fragmented customer experiences across channels
- Inconsistent data models and delayed information access
- Over-engineered integration layers creating rigidity
- Increased operational risk and higher modernization costs
Result: Legacy drag meets modern demand — and banks pay the price.
The Missing Piece — Finacle Thin Ledger Transaction Manager (TLTM)
To truly achieve strategic coexistence, banks need more than APIs — they need a thin ledger heart.
The Finacle Thin Ledger Transaction Manager (TLTM) provides a cloud-native, event-driven engine that:
- Offloads transactions from legacy cores without disruption
- Aggregates balances across multiple systems in real time
- Ensures continuous transaction processing even during core downtime
- Scales seamlessly to support peak volumes and mission-critical operations
In short: It enables always-on banking while laying the foundation for progressive modernization.
Beyond the Thin Ledger — Building the Strategic Coexistence Platform
A holistic resiliency architecture extends beyond transaction continuity. Finacle and EY recommend a strategic coexistence framework that also focuses on:
- Focused Integration: Purpose-built microservices and bundled APIs that enable reusability and simplify modernization.
- Data Reliability and Consistency: A single source of truth for accounts, balances, and transactions, ensuring real-time access and operational confidence.
- Integrated Security and IAM: Embedded controls that deliver seamless customer journeys and consistent authentication across channels.
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