Core technology engineered to power community and regional banks

Community and regional banks are under pressure to move faster, innovate smarter and deliver exceptional customer experiences without sacrificing stability, security or trust.

Those expectations are core characteristics of modern banking. It’s no longer defined by big jumps between major transformation milestones but rather the ability to support continuous evolution.

That’s why the technology of CoreAdvance^™ bank platform from Fiserv is based on five foundational principles that work together to help community and regional banks modernize with confidence, adapt at their own pace and stay competitive in an era of accelerating change.
 

1. Modular architecture: Simplifying change, accelerating innovation

At the heart of CoreAdvance is a modular architecture designed to remove unnecessary complexity and eliminate the tightly coupled, multilevel dependencies that have traditionally slowed banks.

By starting with a proven core solution with deep functional capabilities and then breaking it into clearly defined, independent components, CoreAdvance significantly reduces the risk associated with change. The strategy involves replacing monolithic layers with REST-based microservices to enable faster delivery of new capabilities without compromising performance, security, stability or quality.

New capabilities are built in a cloud-native layer that sits above the core to provide greater choice for financial institutions. They have more flexibility to adopt best‑in‑breed capabilities on their own timeline.

Most important, the architecture allows CoreAdvance to deliver more cloud-native, modern functionality in a way that feels seamless and integrated. The result is a modern core that evolves with the financial institution.

2. Openness: End-to-end modernization

Early phases of banking core modernization focused on layering a modern user interface and integration services on top of a core system.

Those were important steps that improved appearances and enabled third-party integrations. But they still limited agility, because they didn’t solve for underlying complexity and constrained access to core data.

Openness is built directly into the CoreAdvance architecture. Core‑native, open API services simplify and streamline access to core data and empower banks to deliver business value faster. The open API architecture extends to the core data to reduce friction, drive greater agility and enable simpler integration with third parties.

CoreAdvance also uses an event‑driven architecture that notifies downstream systems in real time when actions occur or data changes. That enables sophisticated data synchronization, near‑real‑time insights, and more responsive customer and employee experiences.
 

3. Orchestrated systems: A unified experience for bank employees and customers

CoreAdvance can help empower bank employees to serve their customers more efficiently and consistently. The unified technology environment can orchestrate experiences across functions, systems and roles.

Designed with dynamic banking roles in mind, CoreAdvance enables employees to perform inquiries, maintenance, account opening, teller activities or any combination of services within a single experience. As more teller and customer-relationship management capabilities arrive, banking staff can deliver exceptional service without jumping between systems or re‑entering data.

The experience is also configurable, enabling banks to tailor workflows to the unique needs of different roles across the organization. By reducing friction and cognitive load, CoreAdvance allows employees to focus on what matters most: delivering a best‑in‑class customer experience.