Sold by: DXC Technology
A cloud-native core banking platform powered by Thought Machine Vault Core on AWS, delivered with DXC end-to-end Banking BPS and managed services to enable secure, scalable, and AI-enabled banking transformation.
Overview
The Intelligent Core Banking Platform as a Service is a modular, cloud-native banking solution combining:
Thought Machine Vault Core : real-time, cloud-native core banking engine Amazon Web Services (AWS) : secure, resilient, scalable infrastructure DXC Banking BPS : end-to-end managed services, operations, automation, and AI integration
The solution enables financial institutions to modernize legacy cores, accelerate digital product innovation, and improve operational efficiency while reducing transformation risk through a single integrated delivery model.
It consists of three integrated components:
1. Cloud-Native Core Banking Engine: Powered by Thought Machine Vault Core, a real-time, event-driven core banking platform designed for digital agility and configurability.
Key Capabilities: Real-time ledger architecture Smart contract-based product configuration API-first, microservices-based design Multi-product capability (retail, SME, deposits, lending) Rapid product innovation without code rewrites
AWS Services Used: Amazon EC2 / Amazon EKS for scalable compute orchestration Amazon RDS / Aurora for managed database services Amazon S3 for secure object storage AWS IAM & KMS identity, encryption, and key management Amazon CloudWatch monitoring and observability AWS Elastic Load Balancing high availability routing
2. Intelligent Banking Operations & Automation Layer: DXC integrates automation, AI, and workflow orchestration across banking processes to enhance productivity and reduce cost intensity
Key Capabilities: AI-enabled onboarding and KYC processing Intelligent credit underwriting support Automated loan servicing and reconciliation Predictive collections and delinquency monitoring Regulatory reporting automation Embedded RPA and workflow orchestration
This layer enables banks to embed Generative AI and predictive analytics into daily operations without disrupting core transaction processing.
3. End-to-End Managed Banking Services (DXC Banking BPS): DXC provides fully managed services across infrastructure, applications, and banking operations
Loan origination and servicing operations Payments processing and reconciliation KYC/AML operations Regulatory reporting support Back-office operations managementThis end-to-end managed model ensures operational continuity while enabling transformation.
Highlights
- The solution enables banks to: - Launch new products in hours versus months - Reduce operational costs through automation - Modernize core banking without disruption - Compete effectively with larger institutions
- Implementation leverages DXC's automation-first methodology and AWS best practices, while maintaining continuous service through DXC's proven BPS capabilities. The partnership supports both greenfield builds (for new digital banks) and progressive modernisation for incumbent banks. VaultCore is positioned as a comprehensive core banking platform capable of handling all banking operations, though deployments can be phased.
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Contact us: https://dxc.com/contact-us Level of Support: 5/8 Standard Support