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ABA: The American Bankers Association
Industry Insight

The Economics of Core Independence

  • Brought to you by adapfin Technologies
  • Published October 9, 2026

Aging technology forced the whole industry into a layered operating model. This is the path back — progressive core independence, without a single high-stakes conversion.

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The Economics of Core Independence examines how layers of banking technology compound costs, create operational dependencies, and slow innovation. It offers bank leaders a practical framework for evaluating those burdens and reclaiming control through progressive modernization. Connecting operating economics, risk governance, and proactive customer service, the paper outlines six tests for assessing whether a platform gives a bank meaningful independence.

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