Transform your core.Without the big bang.
Fivolv lightens and progressively replaces the core: one component at a time without impacting the existing ecosystem. Running in production at HDFC Bank, one of the world's largest banks by market capitalisation.
Capabilities that were never core, taken out and run once, at enterprise level.
Today's reality
Everything a bank does ended up inside one system.
Three decades of change, and every new capability found its way into the core. All of it entangled with the ledger the core was built to run.
An overloaded core rarely fails loudly. It shows up as a long list of problems every bank recognises.
Not customer-centric
Built around systems, not people.
No process owner
No single application owns business processes.
Limited, bolt-on APIs
Security and privacy added as an afterthought.
No real-time sync
Updates do not flow across systems.
Batch-bound operations
Cut-off windows and downtime persist.
Accumulated tech debt
Decades of legacy slow every change.
Not AI-ready
Architecture never designed for AI.
No single product source
No one place for product setup and pricing.
Data siloed by product
Every application owns its own data, with no shared view.
Not built for scale
Not geared for scale or resilience.
Our point of view
You don't have to replace the core to modernise it.
Most of what sits inside the core was never core to begin with. Take those capabilities out, run them once at enterprise level, and the core lightens in four steps.
- 1
Lay the Foundation
Start supporting the core from outside. Nothing in the existing estate changes, and nothing is switched off.
- 2
Lightening the Core
Introduce enterprise components alongside what runs today. Capabilities common at bank level move out, and the core carries less with every step.
- 3
Accelerate the Process
Bring the full set of enterprise components into the ecosystem, each one owned once and shared across every product.
- 4
Replace the Product Processors
Last, not first. By the time processors are replaced, the bulk of the functionality has already moved out to enterprise components, so what remains to migrate is small.
Gradual. Measurable. Reversible.
That is what progressive transformation buys you. No disruptive, large-scale replacement. No date on which the bank changes systems and hopes.
Read the architecture rationaleThe platform
The Fivolv Functional Landscape.
Four layers, built from the foundation upward. Enterprise components sit between your channels and your product processors, each owning a single capability for the whole bank.
Any enterprise component can be deployed standalone.Minimal change to your ecosystem, no dependency on the rest of the platform, and no obligation to take the suite. Sequencing is driven by your priorities and your pain areas, not ours.
Transformation on your terms
Migrate at your pace.
Prove it before you commit.
Every enterprise component migrates progressively. Nothing here is a switch thrown on a Saturday night. What differs is where you choose to make the cut, and that is designed around your bank rather than handed to you.
The patterns below are samples of how we have done it for a leading bank, not a menu to pick from.
Traffic-based migration
Route a share of live transaction traffic to the new system while the rest stays on legacy. Scale up as confidence grows.
Product-based migration
Selected products run on the new system; the rest continue on legacy until they're ready to switch.
Lifecycle-based migration
Move lifecycle capabilities across progressively, with coexistence throughout: golden record first, then servicing, then onboarding.
Customer-segment migration
A defined customer segment is serviced by the new system; other segments remain on legacy until the bank is ready.
Each component can be migrated on a pattern built for it.
Cuts can be combined, sequenced or invented: one component by traffic, the next by segment, a third on a rule written for a single portfolio. The pattern follows the risk the bank is actually carrying, the calendar it is actually working to, and the order its pain areas sit in. We design it with you, per component.
Both systems co-exist until you're confident. Rollback stays available the entire way.
Proven at scale
Not a theory.
Running in production.
HDFC Bank.One of the world's largest banks by market capitalisation has entered into a multi-year programme with FYNDNA to replace the core progressively, component by component, with the bank running throughout.
ePayments · eParty · eStandIn · ePricing
Lending: origination and servicing
Engineering
Principles the platform is built to, and the stack that implements them.
Every technology serves a principle.
Nothing is in the stack because it is fashionable. Each group below earns its place by enabling something progressive transformation in a live bank actually requires.
Infrastructure
1 of 8Every capability runs as an isolated workload that can fail, restart or upgrade without touching anything around it. Capacity follows business signals rather than CPU, and every environment including disaster recovery is built from one versioned blueprint.
- Design for scale
- Change control
- Multi-cloud resilience
The company
FYNDNA
Founded in 2021. Within a year we had signed a multi-year partnership with one of the world's largest banks. We have been in their production estate ever since, expanding scope every year.
“To help financial institutions increase customer engagement and profitability through a cloud-native, digitally-enabled, versatile technology product.”
Fivolv is FYNDNA's retail banking suite, the product through which that mission reaches the market. The name is the thesis: FI + evolve. Financial institutions don't need replacing. They need to be able to change.
Your core doesn’t need replacing. It needs to be able to change.
Tell us which part of your core hurts most. We’ll show you what taking it out looks like, and how a bank like yours proved it with live traffic before committing.