Tag: #core-banking
Writing on GPUs, LLMs, MLOps, Kubernetes — and mindset · 8 posts
Designing a Deposit Interest Calculation Engine — From Day-Count Math to Preferential Rates
A practitioner-oriented design of a deposit interest calculation engine. We cover day-count conventions and their traps, simple and compound interest implementations, a preferential rate rule engine, withholding tax, rat
2026-06-13 · 18 min read #interest#core-banking#deposit#bigdecimal#bankingBank Deposit System Architecture — Dissecting the Heart of Core Banking
A deep dive into the deposit system at the heart of core banking. We cover account ledger design, deposit and withdrawal transaction processing, concurrency control, and how end-of-day closing coexists with 24x7 operatio
2026-06-13 · 19 min read #core-banking#deposit#ledger#architecture#bankingLending Systems and the LOS — Architecture from Loan Application to Disbursement
A deep dive into the overall architecture of lending systems at banks, card issuers, and capital companies, centered on the LOS (Loan Origination System). We walk through the pipeline from application to underwriting, ap
2026-06-13 · 19 min read #lending#los#loan-origination#core-banking#fintechBatch and End-of-Day Processing in Banking — The Architecture That Rules the Night
Why batch processing remains central in banking and the full picture of end-of-day (EOD) processing. We cover job schedulers and dependency DAGs, checkpoint restarts, partitioning and chunk processing, center-cut and dat
2026-06-13 · 18 min read #finance#batch#eod#spring-batch#schedulerCore Banking Modernization Strategy — From Mainframe to Cloud Native
A comparative analysis of strategies for modernizing legacy core banking. We cover big-bang rebuilds versus incremental strangler patterns, core decomposition, the cloud-native core banking wave, the Korean regulatory en
2026-06-13 · 23 min read #core-banking#modernization#cloud#mainframe#migrationLoan Servicing Systems — The Data Flow of Delinquency, Provisions, and NPL
A tour of the world after loan disbursement. We cover repayment schedule generation (equal installment, equal principal, bullet), payment and prepayment processing, delinquency bucket transitions and overdue interest cal
2026-06-13 · 26 min read #lending#loan-servicing#delinquency#npl#ifrs9Banking Ledger Design — Double-Entry Bookkeeping, Event Sourcing, and Consistency Down to the Last Cent
How to design the ledger at the heart of a banking system. We cover double-entry principles, the journal and posting data model, balance computation strategies, event sourcing, hot-account concurrency control, idempotenc
2026-06-13 · 17 min read #finance#ledger#double-entry#event-sourcing#core-bankingCore Banking Modernization 2026 Deep-Dive — Temenos, Mambu, Thought Machine, FIS, NCR, Finacle, BaNCS, plus Korea and Japan Mega-Bank Next-Gen IT
Core banking is the heart of a bank. COBOL ledgers running on 1970s IBM mainframes are being reborn as cloud-native microservices in 2026. Temenos T24/Transact, Mambu, Thought Machine Vault, FIS Modern Banking Platform,
2026-05-25 · 28 min read #core-banking#temenos-t24#mambu#thought-machine-vault#fis-modern-banking