AI Core Banking Modernization
Modernize around your existing core — not through it. BancoOS orchestrates data, workflows and channels with AI so banks deliver new experiences without the risk of core replacement.
Overview
BancoOS is the AI orchestration layer that lets Vietnamese banks modernize incrementally — workflow by workflow, product by product, channel by channel.
Industry challenges
- Legacy cores that can't move at business speed.
- Core replacement is multi-year, multi-hundred-million-dollar risk.
- Point tools proliferate around the core.
- Data and workflows fragment across systems.
The BancoOS solution
An AI-native orchestration layer with document capture, workflow engine, agent runtime and unified data model — deployed incrementally alongside the core.
Workflow diagram
Business outcomes
- Payback within 6 months per workflow.
- Faster launch of new products and journeys.
- Lower total surface area vs. a portfolio of point tools.
- No big-bang core replacement risk.
Integrations
T24, Flexcube, Symbols, SAP for Banking, Oracle, in-house cores, GDT, SBV and every major Vietnamese bank rail.
Security & compliance
Encryption, tenant isolation, RBAC, immutable audit log, in-region hosting and single-tenant options.
Frequently asked questions
›Do we have to replace our core to modernize?
No. BancoOS sits alongside the core and modernizes around it — no big-bang replacement required.
›Which cores does BancoOS work with?
T24, Flexcube, Symbols, SAP for Banking, Oracle and in-house cores via API, ISO 20022 events or file-based batches.
›How incrementally can we roll out?
Workflow by workflow, product by product, channel by channel — with typical payback within 6 months per workflow.
›What does the orchestration layer include?
Document capture, workflow engine, agent runtime, unified data model and unified UI kit.
›Can BancoOS replace multiple point tools?
Yes. Many banks consolidate 3–5 point tools onto BancoOS over the first year.
›How is the transition governed?
Enterprise-grade change management with dual-control approvals, sandboxing and staged rollouts.
›How is data consistency ensured?
The unified data model reconciles with the core continuously, with variance alerting.
›How long to deploy?
First workflow live in 8–12 weeks; portfolio-scale programmes deliver quarterly milestones.
›Is data hosted in Vietnam?
Yes. In-region hosting is standard, with single-tenant options for regulated banks.
›What ROI do banks see?
Typical results: payback within 6 months per workflow, faster product launches and lower total surface area.
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