New York is the world's financial capital, home to the largest banks and fintech innovators. We help financial institutions modernise their core banking infrastructure to compete in the digital age.
The Core Banking Challenge
Legacy core banking systems, often decades old, limit institutions' ability to launch new products, serve customers digitally, and respond to competitive threats from fintechs and neobanks.
Our Core Banking Solutions
Account Management
Foundation of banking operations:
- Deposit accounts: Checking, savings, money market, CDs
- Loan accounts: Consumer, commercial, mortgage tracking
- Account hierarchy: Complex ownership and relationship structures
- Interest calculation: Flexible accrual and posting rules
Transaction Processing
Real-time financial operations:
- Payment processing: ACH, wire, card, RTP transactions
- Real-time posting: Immediate balance updates
- Transaction limits: Configurable controls and overrides
- Reconciliation: Automated balancing and exception handling
Lending Platform
Complete credit lifecycle:
- Origination: Application capture and decisioning
- Underwriting: Credit scoring and risk assessment
- Servicing: Payment processing and account management
- Collections: Delinquency management and workout
Compliance and Reporting
Regulatory confidence:
- BSA/AML: Transaction monitoring and SAR filing
- Regulatory reporting: Call reports, HMDA, CRA
- Audit trails: Complete transaction history
- Access controls: Role-based security and segregation
Technical Architecture
Modern Infrastructure
- Event-driven architecture
- Microservices design
- API-first approach
- Cloud-native deployment
Integration Capabilities
- Payment network connectivity
- Credit bureau integration
- Core banking APIs
- Open banking standards
Ready to modernise your banking infrastructure? Contact ZIRA Software to discuss your core banking needs.