From Outdated to Elegant: How to Modernize Payments Without Ripping Out the Core

This session will emphasize the growing need for payment modernization within financial institutions, especially as rising ACH volumes and evolving customer demands push the limits of current infrastructure. With new compliance requirements, including the upcoming 2026 ACH rule changes, full core replacements are often neither practical nor timely for most FIs.  As an alternative approach we will explore integrating a parallel payment processing platform alongside the existing core. This solution is positioned to deliver faster ACH processing, boost operational efficiency, support real-time payments, uncover new revenue opportunities, and enhance compliance and B2B workflows. Additionally, it promises more effective back-office tools, improved reporting, and greater operational visibility, all without the disruptions or high costs that typically come with modernization projects.