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Zoral
Zoral

Core Banking Modernization

From rigid legacy cores to intelligent, composable banking platforms

Legacy core banking systems limit agility, slow product innovation, and increase operational risk. As customer expectations, regulatory demands, and competitive pressures intensify, Zoral Core Banking Modernization provides financial institutions with a core platform that can evolve continuously without large-scale replacement cycles.

How Zoral Core Banking Modernization Delivers Value

Low-Code / No-Code Product Factory

Decouples product innovation from core constraints, enabling rapid configuration and launch.

Decision Engine & Workflow Orchestration

Moves business logic and workflows outside the core for agility and control.

Unified Integration Layers

Connects legacy cores, digital channels, and third-party systems seamlessly.

Analytical Data Fabric

Provides a real-time, governed data layer to support intelligent banking operations.

Governance & Security Framework

Ensures regulatory compliance, auditability, and enterprise-grade security by design.

Core Capabilities

Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.

  • Modernize incrementally without disrupting existing operations.

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Outcomes We Drive

Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.

Faster product innovation and launch cycles
Reduced dependency on legacy core limitations
Lower operational and change-management risk
Improved system flexibility and scalability
Stronger regulatory and governance posture
A future-ready foundation for digital banking growth

Engagement Models

Engagement models designed to offer flexibility, transparency, and control.

Flexible models support progressive

non-disruptive core banking modernization.

Transparent architecture improves visibility across

products, workflows, and integrations.

Institutions retain control over

core logic, governance, and security.

Scalable engagement enables modular

modernization without full core replacement.

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Case Highlights

Key engagements that showcase innovation, efficiency, and real business results.

Retail Bank | APAC

Progressive core decoupling enabled faster digital product launches without system disruption.

Digital Bank | Europe

Composable architecture reduced time-to-market while maintaining regulatory compliance.

Universal Bank | MEA

Core-adjacent automation improved operational efficiency and customer experience.

Thought Leadership

Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.

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Decouple, Modernize, and Scale Your Core

Zoral’s Core Banking Modernization solution helps banks move beyond rigid legacy cores through a progressive, composable approach powered by Olympus fOS. Instead of a high-risk rip-and-replace, Olympus fOS decouples products, workflows, and decisioning from legacy constraints, allowing modernization in controlled phases. With an API-first, event-driven architecture and low-code configuration, teams can launch and evolve services faster, integrate seamlessly with existing ecosystems, and scale securely across channels. Real-time data and intelligent automation improve operational efficiency and customer experience while preserving governance, auditability, and regulatory confidence. The result is a future-ready core foundation that enables continuous innovation without destabilizing day-to-day operations.

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