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Legacy Core Overlay.

Don't rip and replace. Augment.
A bi-directional decision layer that sits on top of your existing FIS, Temenos, or Oracle backbone to modernize commercial lending without the "big bang" risk.

The Architecture

Legacy Compatibility

Your core ledger is the system of record. We are the system of intelligence. Data flows seamlessly between Cognitive Engine and your legacy stack.

FIS / Systematics Temenos T24 Oracle Flexcube SAP Banking
  • Bi-Directional Sync
    Read/Write capability via API wrappers
  • No Double Entry
    Data entered in Workbench pushes to Core
  • State Management
    Loan status updates reflect instantly in ledger
Automated Operations

Integrated AI Automation

We don't just route workflow tasks; we perform them. Intelligent agents handle the heavy lifting of credit analysis.

Auto-Spreading

Ingests PDF financial statements and tax returns, mapping them directly to your credit template. No manual data entry.

Covenant Monitoring

Automatically checks quarterly reporting against credit agreement logic. Flags breaches instantly.

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Entity Mapping

Dynamically maps complex ownership structures and cross-collateralization across multiple legal entities.

Implementation Strategy

Zero-Disruption Deployment

We reject the "Big Bang" implementation model. We deploy iteratively, product by product, ensuring your operations never go dark.

Secure Architecture Diagram

Secure Cloud Infrastructure

Built on AWS Private Link. We establish a secure tunnel to your on-premise data center. Data is encrypted in transit and at rest.