WHITEPAPER: Transforming Banking Technology With An Augmented Core

How banks can prepare for the new world of the augmented core, and what the opportunities and challenges will be

As digital ecosystems expand and customer expectations evolve, banks in APAC face mounting pressure to modernize—not just incrementally, but fundamentally.

Finastra Universal banking’s latest whitepaper, Transforming Banking Technology with an Augmented Core introduces a bold vision for future-ready core platforms designed to meet the region’s unique challenges and opportunities.

Only 10% of APAC banks are currently ready to scale AI across core banking functions — highlighting a critical gap in agility, data infrastructure, and innovation readiness.

This whitepaper explores how an augmented core can help close that gap by enabling banks to:

  • Unify siloed data from every customer touchpoint
  • Accelerate product innovation with modular, cloud-native architecture
  • Deliver hyper-personalized experiences at scale
  • Seamlessly integrate emerging technologies like agentic AI
  • Stay resilient and compliant in a rapidly changing environment

Finastra Universal Banking won the award for Best Retail Banking Vendor – Overall at the Digital Banker Global BankTech awards 2025

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              The world’s preeminent Private Banks and Wealth Managers are demonstrating a committed drive in innovation, advisory, new products and services to meet the sophisticated needs of their clients.

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              Amid economic activity revival on the back of the Covid-19 vaccine program, organisations moving from business continuity plans to stable working environments, together with the slightest improvement in unemployment numbers, forced the world to adjust to new realities. Coming to terms with the “new normal”, global investors are now on the look-out for attractive and stable investment opportunities.

              Needs of Private Wealth customers and families worldwide have drastically changed due to the pandemic and banks have had to accelerate efforts to deploy a multi-channel service strategy and safeguard clients’ businesses and wealth against negative impacts of economic uncertainly.

              The Global Private Banking Innovation Awards will recognise the world’s best private banks, wealth managers and asset managers that are championing innovation across advisory, service, products, customer experience and more.

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