Solution case studyP011

A rural bank core system that is hard to change, with high vendor lock-in

Finance & rural banksRural banks and microfinance26 September 2026
Calculator, glasses and financial papers on a desk

Solution case studies are scenarios based on common industry problem patterns. They do not refer to any client and are not MarkasDev project portfolio items. Our client portfolio is published separately.

Industry context

A regional rural bank depends on an old core system. New product requests wait for months. Vendor customisation is expensive and documentation is thin.

Constraints

  • Regulatory reporting
  • Cutover risk
  • A small IT team
  • Sensitive historical data

Approach

Diagnose

Map core capabilities against business needs; estimate the total cost of lock-in; compare improve, replace, and wrap options.

Deliver

An anti-corruption layer or API wrap for new products, or a phased migration programme if Diagnose concludes replacement is needed.

Operate

Monitor transaction integrity, apply strict change control, and rehearse cutovers.

High-level architecture

Strangler pattern: API facade, event sink, and new product modules outside the core.

Typical outcomes

Faster time to market for new products without a risky big-bang migration.

Typical or expected outcomes, not claims about MarkasDev project results.

Common questions

Must we replace the core now?
Only if Diagnose shows a wrap is not viable. A big-bang replacement is rarely the first option.
What about OJK regulation?
Reporting and controls are design constraints from the start.
How long does a migration take?
Several phases. A date promised before Diagnose is a red flag.