Industry
Banking & Financial Services
Nubes Consulting helps banks, payment companies and FinTech organizations modernize critical platforms, strengthen operational resilience, manage cloud risk and deliver infrastructure change under demanding regulatory requirements.
Banks and financial institutions are replacing technology that was built for a different operating model while still depending on it every day.
Nubes Consulting helps modernize core platforms, payments, integrations, data and engineering foundations while keeping existing services running. We connect architecture decisions with implementation, migration and production operations, so modernization can happen in controlled stages rather than as a disconnected set of technology projects.
Modern banking is more than a core replacement
A core banking transformation affects much more than accounts and ledgers.
Payments, customer channels, credit systems, regulatory reporting, data platforms, identity, fraud controls, APIs and operational processes all depend on information and events that move through the core.
That is why we treat banking modernization as an enterprise architecture and delivery problem, not simply a software installation.
We help establish the target architecture, understand dependencies, select the right transition model and build the engineering foundations needed to move safely from the current state to the next one.
Change the core where necessary. Decouple what should evolve independently. Preserve what still works.
Where we help banks modernize
Six areas where architecture, engineering and delivery decisions determine whether a banking transformation stays under control.
Modernize the core with a transition strategy, not a product demo
Replacing a banking core is one of the highest-risk technology changes an institution can make. Architecture, interoperability, functional fit, vendor viability and value all have to be evaluated before a platform is chosen.
A modern core program can follow several paths.
Core banking technology ecosystem
Banks have very different requirements for product coverage, scale, deployment model, localization and migration risk.
Nubes Consulting does not want to force every institution toward one core-banking vendor. We work around the client’s requirements and build delivery relationships with banking-platform providers where their technology fits the target architecture.
Technology across the banking stack
Infrastructure and engineering technologies, grouped behind the banking capabilities they serve.
Design payments for continuous operation
Payments are increasingly moving away from batch-oriented integration toward real-time processing and richer structured data.
SWIFT’s cross-border payment migration to ISO 20022 reached its major end-of-coexistence milestone in November 2025, while further structured-data changes continue through 2026. In Europe, instant euro payments are now expected around the clock, with mandatory payee verification in the euro area.
This changes architecture requirements around availability, fraud checks, sanctions processing, liquidity, observability, failover and downstream data.
We help design and modernize the integration, platform and operational foundations needed to support those flows.
Build AI on controlled banking data
AI becomes useful in banking only when the data, access controls and operating model underneath it are trustworthy.
We help create data and AI architectures where data sources, access, lineage, model execution and operational controls remain visible. That can support internal productivity, software engineering, customer service, analytics, operational intelligence and selected decision-support use cases.
For sensitive workloads, the architecture can use private or client-controlled model execution rather than sending confidential information through unrestricted public AI endpoints.
Automate where the evidence is strong. Keep high-impact decisions controlled.
Design banking systems for change and failure
Six principles that shape how we design, build and operate systems in regulated financial environments.
Design controls for the market where the bank operates
Financial-services requirements depend on jurisdiction, institution type, service and workload.
Nubes Consulting does not provide legal interpretation or claim certification against every framework listed here. We use applicable regulation, supervisory guidance and recognised standards as inputs to architecture, security and delivery controls, while the client’s legal, compliance and audit functions remain responsible for formal interpretation and assurance.
Global and cross-border
- Basel operational risk and resilience principles
- BCBS 239 risk-data aggregation principles where applicable
- ISO/IEC 27001 and related cloud and privacy standards
- ISO 22301 business continuity
- PCI DSS for card-data environments
- SWIFT Customer Security Controls Framework
- ISO 20022
- NIST Cybersecurity Framework
- CIS Benchmarks and OWASP guidance
The Basel framework now groups operational risk, resilience and third-party risk together, which reflects how modern bank technology needs to be governed.
European Union and EEA
- ECB and EBA supervisory expectations
- DORA
- GDPR
- ECB cloud-outsourcing expectations
- PSD2 and the evolving PSD3 and Payment Services Regulation framework
- SEPA and the Instant Payments Regulation
- EU AI Act where the AI use case falls within scope
United Kingdom
- FCA and PRA operational resilience
- PRA outsourcing and third-party expectations
- UK GDPR and the Data Protection Act
- UK Open Banking Standard
- Financial-grade API security
- CBEST and relevant cyber-resilience testing
UK firms in scope were expected to be able to operate important business services within impact tolerances by March 2025, and new operational-incident and material third-party reporting requirements are due from March 2027.
United States
- FFIEC IT Examination Handbook
- Federal banking-agency technology and information-security requirements
- Third-party risk-management guidance
- GLBA-related information-security requirements
- NYDFS 23 NYCRR 500 where applicable
- NIST CSF
- PCI DSS and SWIFT controls where relevant
The FFIEC Architecture, Infrastructure and Operations guidance explicitly covers architecture planning, governance, infrastructure, operations and dependencies on third-party service providers.
Middle East
Saudi Arabia: SAMA Cyber Security Framework, IT Governance Framework, business continuity requirements and related outsourcing controls. The SAMA Cyber Security Framework is mandatory for regulated banking-sector entities.
UAE: CBUAE risk-management and outsourcing requirements, technology-risk controls and data-location requirements where applicable. The CBUAE’s banking outsourcing rules require controls around security, audit, continuity and data, including specific requirements for the storage and transfer of confidential banking data.
Asia-Pacific
Singapore: MAS Technology Risk Management, Cyber Hygiene, outsourcing and operational-resilience requirements. MAS has also published AI-risk-management guidance for financial institutions, effective from October 2027.
Australia: APRA CPS 230 Operational Risk Management and CPS 234 Information Security. The updated CPS 230 framework in force from July 2026 covers operational risk, critical operations and service-provider risk.
Modernize in stages that the bank can operate
We normally start by understanding the business services, systems and dependencies before defining a target architecture. The transformation is then split into bounded changes that can be designed, tested and operated independently.
Understand → Decide → Decouple → Build → Migrate → Reconcile → Stabilize → Expand
This works for core modernization, payments, platform transformation and large application programs. The important point is that the target architecture and the transition architecture are designed together — a technically attractive end state has little value if the bank cannot reach it safely.
Use us where senior technical ownership is needed
A banking program can draw on any part of the service portfolio, in the combination the engagement actually needs.
Architecture & Technology Advisory
Core modernization strategy, platform evaluation, enterprise architecture and independent design review.
Legacy Modernization
Application discovery, APIs, databases, legacy decomposition and modernization engineering.
Cloud Platforms & Operations
Infrastructure and platform architecture supporting banking workloads.
DevOps & SRE
Software delivery, platform engineering, observability and production reliability.
Cloud Migration
Workload transition where infrastructure change is part of the banking transformation.
Engineering Teams & Managed Delivery
Senior architects, specialists and teams for defined banking technology workstreams.
Banking experience behind Nubes Consulting
The experience behind Nubes Consulting includes architecture and infrastructure work across regulated financial environments, critical cloud migrations, resilience assessments and financial-services platforms.
This includes work with European banking and financial-services organizations where availability, rollback, risk management and controlled production change were central to the delivery.
Frequently Asked Questions
Do you implement core banking platforms?
We can provide architecture, integration, infrastructure, migration and engineering delivery around core-banking programs.
Where product-specific configuration requires deep vendor expertise, we can work together with the platform vendor or a specialist implementation partner while retaining architecture and technical-delivery responsibility where appropriate.
Do you recommend one preferred core platform?
No. The choice depends on bank size, products, geography, existing systems, deployment requirements, integration model and modernization strategy.
We prefer to compare platforms against the target operating model rather than begin with a reseller relationship.
Does core modernization require a full replacement?
No. Many institutions can reduce risk through coexistence, progressive product migration, API separation or modernization of selected domains before replacing the complete core.
Can you work with legacy mainframe environments?
Yes. Legacy systems are assessed as part of the complete architecture.
The decision can be to retain, encapsulate, refactor, replatform or replace different parts according to business value and technical risk.
Do you work on payments architecture?
Yes. We can support the architecture, integration, platform engineering, messaging, infrastructure and operational reliability around payment environments, including ISO 20022-based architectures and real-time processing.
How do you handle compliance requirements?
Applicable requirements are translated into architecture and engineering controls together with client security, risk, legal and compliance teams.
Nubes Consulting provides technical implementation and evidence rather than legal interpretation.
Can Nubes Consulting work with the bank’s existing vendors?
Yes. Banking programs typically involve core vendors, payment providers, cloud platforms, security teams, system integrators and internal engineering teams.
We can operate as an independent architecture and delivery layer across those parties.
Do you support both cloud and on-premise banking systems?
Yes. Banking architectures frequently remain hybrid.
Platform placement should follow workload, resilience, data, operational and jurisdictional requirements rather than a fixed “cloud first” rule.
Modernize the bank without disconnecting the systems that keep it running
Nubes Consulting Digital helps financial institutions modernize core platforms, payments, data and engineering environments through practical architecture and controlled delivery. We work from the existing technology estate to the target operating model, keeping dependencies, production continuity and long-term maintainability visible throughout the change.
Turn your Technology Challenge into a clear Delivery Plan
Nubes Consulting Digital helps design, modernize and operate complex technology environments. From Cloud and Architecture to DevOps, SRE and Engineering Delivery, we focus on practical decisions, reliable execution and measurable business outcomes.
