Analyst report

Forrester - The Evolution of Digital Banking Platform Architecture

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Traditional banks are racing to transform but are limited by legacy systems and aging infrastructure. Most have a cloud strategy and have tried to migrate their traditional applications there with moderate success or built new application stacks in the cloud, according to this Forrester Research paper. As banks come under more pressure from digital banking start-ups their transformation becomes critical to maintain their market share. Banks’ application landscapes are not yet in a shape that would allow them to cope with the forces that are tearing the industry apart.

This report looks at the reasons for this situation and offers the banking industry application development and delivery professionals new architectural approaches that ease digital transformation challenges first and prepare for business models or the API economy later. Connected architectures enable banks to be ready for the future.


  • Traditional core banking systems need to foster rapid change and protect data and information — a fundamental conflict that very few can resolve.
  • Digital banking platform architecture (DBPA) is a layered architecture that fosters continuous change
  • Transformational coexistence has improved, and business models often require networks of banking application ecosystems
  • A constellation architecture enables connections within your own banking platform, others’ platforms, software-as-a-service (SaaS) capabilities, and other banking application ecosystems to assemble hybrid solutions that serve your end customer and employees
Banks’ technology teams have a multitude of different transformation strategies available…when starting the journey toward digital banking platform architecture (DBPA), technology leaders need to compare their build options with the off-the-shelf availability of suitable banking applications.
Jost Hoppermann
Vice President, Principal Analyst Serving Application Development & Delivery Professionals, Forrester