Modern core banking technology designed to support compliant digital transformation
Transform your core banking capabilities without replacing the system
Regulatory change, digital disruption and rising customer expectations challenge banks in Germany, Austria and Switzerland (DACH region), while outdated core systems limit agility and make complete system replacement risky and costly. FIS® KCORE24™ delivers a modular, future-ready core banking platform that enables modernization in place. Banks can incrementally update core capabilities, use open APIs and maintain compliance with German and EU regulations without business disruption.
Optimize spend without limiting growth
Balancing cost control with long-term scalability is a constant priority. KCORE24’s modern, cloud-ready architecture provides stability and flexibility for banking operations. Supporting on-premises and cloud deployments, it delivers scalability, resilience and cost-efficiency – helping optimize IT spending while supporting growth.
Drive innovation with modular flexibility
Speed and agility are critical. KCORE24’s modular, highly configurable platform lets you adapt the software to your strategy. With our powerful product management system, your teams can design and launch new account products in any currency without programming – enabling faster responses to changing market conditions and customer needs.
Adapt quickly to evolving regulations
Meeting regulatory requirements is a major challenge for financial institutions. KCORE24 helps you navigate German and EU regulatory requirements, including PSD2, GDPR, FATCA/CRS and DORA. Automatic updates and end-to-end, audit-ready documentation allow you to quickly respond to regulatory changes without disrupting operations.
Optimize workflows for consistent operations
Managing workflows, reducing repetitive tasks and supporting consistency across your organization can be challenging. KCORE24 combines core and posting systems in one platform, managing the full spectrum of banking operations – from account processing and product management to interest/fee calculation and earnings and tax data.
Streamline digital and in-branch interactions
Customers expect seamless, intuitive experiences, whether they’re banking online, on a mobile device or in a branch. KCORE24 supports all distribution channels with a consistent browser-based interface to reduce staff training time. It enables secure e-banking with features like two-factor authentication, empowering teams to deliver superior customer service.
How does KCORE24 support modern banking operations?
- Shared system capability: Support several customers on a single system to reduce installation and configuration costs while fostering new, innovative account models.
- Global banking support: Empower international operations with multicurrency capabilities and multilingual support, enabling subsidiaries to operate efficiently across borders.
- Continuous system availability: Support high availability and resilient transaction processing across channels to give banks access to real-time data while reducing errors and supporting timely handling.
- Scalable infrastructure: Allow continuous server capacity adjustments to meet changing application demands, enabling your system to scale while optimizing capital usage.
Redefining banking through innovation
FAQ
How does a modular banking platform reduce the risks of system modernization?
A modular setup lets institutions enhance individual capabilities instead of replacing their entire system at once. This approach lowers operational disruption, can shorten delivery timelines and supports more predictable transformation cycles.
What operational advantages come from real-time processing?
Real-time processing is designed to provide faster data availability, help reduce reconciliation errors and improve customer interactions across online, branch and mobile channels. It also allows teams to identify issues and opportunities earlier.
How can financial institutions simplify compliance management?
Configurable rules, automated documentation and audit trails help institutions adjust to regulatory changes without having to redesign workflows. This supports consistency across teams and reduces the manual effort required during audits or regulatory updates.
What does unified account and product management enable for banks?
Consolidating loans, deposit, payment and reporting functions into a single environment reduces complexity and supports consistent data handling. It also makes it easier to introduce new account types and adjust product configurations quickly.
How can a flexible core banking solution support long-term modernization?
A modern core banking solution with modular components allows institutions to update functions step by step, rather than migrating all systems at once. This reduces modernization costs and helps teams maintain stability during strategic upgrades.
What role does a multicurrency system play in supporting international operations?
A multicurrency system lets banks manage accounts, transactions and reporting across multiple currencies without maintaining separate platforms. This is especially valuable for institutions with cross-border customers or subsidiaries.
How does a platform designed to comply with German regulatory requirements simplify operational compliance?
A system built around German-specific regulatory requirements supports alignment with PSD2, GDPR, FATCA/CRS and DORA requirements. Automated logging, configurable parameters and documented workflows make it easier to adjust when regulations evolve.
How do integrated payments support efficiency across channels?
Modern payments transaction capabilities unify SEPA, SWIFT and local payment formats into one process framework. This improves transaction reliability, simplifies reconciliation and reduces the number of manual touchpoints required across digital and branch channels.
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