Q02 · Platforms & InfrastructureTrial▲ AcceleratingHorizon: 12-18 mo

Composable Core Banking

Modular, API-first core banking replacing monolithic legacy cores.

Composable cores finally make incremental, risk-managed core replacement realistic — paired with autonomous coding agents, the business case for full legacy core replacement is the strongest it has been in a decade.

Signals behind this placement

  • —Composable cores make incremental, risk-managed replacement realistic rather than big-bang.
  • —Paired with coding agents, the business case for core replacement is the strongest it has been in a decade.

Sequencing

Enables Autonomous Coding Agents for Core Modernisation

Composable Core Platforms across other industries

Modular, API-first platforms displacing monolithic legacy suites.

Manufacturing & IndustrialAssess

Composable MES / Industrial Platforms

Modular, API-first manufacturing execution systems replacing monolithic MES suites.

Retail & ConsumerAdopt

Composable Commerce Platforms

Modular, API-first commerce replacing monolithic platform suites.

Platform

From the Financial Services Emerging Technology & Innovation Radar, Edition 2026.1, published 2026-10-01.

An independent, industry-agnostic radar curated by Shailesh Kumar.