Banking Transformed with Jim Marous Core Modernization, AI, and the Future of Banking
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Dec 30, 2025 Sai Rangachari, Chief Product Officer at Temenos, sheds light on the critical need for core banking modernization in today’s digital age. He discusses how outdated systems stifle innovation and stresses that modernization is a strategic necessity, not just a tech upgrade. Sai explores Temenos' unique single-core strategy and highlights practical steps banks can take to modernize without disruption, including leveraging AI for efficiency and enabling hyper-personalization. He also shares insights on the resurgence of stablecoins and how AI can reshape banking practices.
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Lead With Outcomes, Not Tech Specs
- Secure strong leadership, clear outcomes, and business ownership before starting a core program.
- Use outcome-based milestones to stream value and reduce long multi-year risk.
Business-Savvy Tech Leadership Wins
- Successful transformers speak the business language and align transformation to growth goals.
- Clear accountability and partnership mechanisms prevent stalls and confusion.
Pick Three AI Levers To Deploy Now
- Build conversational UX, autonomous agents, and AI-assisted lifecycle tools to drive real AI value.
- Start with listen-only then human-in-the-loop before moving to full autonomy in production.