{"id":127786,"date":"2023-09-13T08:25:41","date_gmt":"2023-09-13T12:25:41","guid":{"rendered":"https:\/\/innowise.com\/?p=127786"},"modified":"2025-12-18T05:57:35","modified_gmt":"2025-12-18T10:57:35","slug":"coreless-banking","status":"publish","type":"post","link":"https:\/\/innowise.com\/it\/blog\/coreless-banking\/","title":{"rendered":"Coreless banking: liberare le banche da sistemi software rigidi"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"127786\" class=\"elementor elementor-127786\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b05fdcc main-block elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b05fdcc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container 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<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e2b0d9 elementor-widget elementor-widget-text-editor\" data-id=\"6e2b0d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"title-tinder\"><span style=\"font-weight: 400;\">Coreless banking: liberating banks from rigid software systems<\/span><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b6614 elementor-widget elementor-widget-shortcode\" data-id=\"41b6614\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[display_tags]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b983815 article-description elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b983815\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-58e2770c author-article\" data-id=\"58e2770c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5247da e-con-full e-flex e-con e-child\" data-id=\"c5247da\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e9d33c elementor-widget elementor-widget-shortcode\" data-id=\"5e9d33c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[summarize_button_ai]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e17393 elementor-widget elementor-widget-text-editor\" data-id=\"51e17393\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For many years, financial institutions have operated using core banking systems (CBS) to oversee a wide array of crucial operations, like customer accounts, transactions, and payments. However, the time of expansive, all-encompassing core systems that handle everything from recipient details to compliance reporting is currently undergoing a significant change, paving the way for an entirely new perspective \u2014 a &#8216;minimalist&#8217; stance towards the architecture of <\/span><span style=\"font-weight: 400;\">coreless banking software solutions<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><p><a href=\"https:\/\/www.publicissapient.com\/content\/dam\/ps-rebrand\/industry\/financial-services\/2022\/global-banking-benchmark-study-2022\/GBBS22-WEBV-final-Updated.pdf\" target=\"_blank\" rel=\"nofollow noopen noopener noreffer\"><span style=\"font-weight: 400;\">Global Publicis Sapient Banking Benchmark Study<\/span><\/a><span style=\"font-weight: 400;\"> engaged 1,000 key figures in senior banking roles and found that ubiquitous acceptance of coreless banking is pivotal in pursuing banking transformation and attaining operational excellence. Thus, 37% of respondents underscored the paramount importance of migrating towards a contemporary, cloud-centric CBS.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b05addc elementor-widget elementor-widget-text-editor\" data-id=\"b05addc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">What is coreless banking?<\/span><\/h2><p><span style=\"font-weight: 400;\">Distinct from their counterparts in the financial realm, <a href=\"https:\/\/innowise.com\/industries\/banking\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">banking<\/span><\/a> establishments have gained recognition for their heavy dependence on expansive, decades-old software frameworks. These operational systems, while functional, grapple with the challenges tied to rigid, monolithic application architectures. Although innovative design methodologies like serverless computing are widely available, many are reluctant to explore new architectural paradigms due to the threat of security breaches and data loss.<\/span><\/p><p><span style=\"font-weight: 400;\">The answer lies in coreless banking, which combines forward-thinking strategies like microservices and APIs to provide the financial sector with adaptable and streamlined software solutions. Despite its infancy, this concept has considerable potential in enhancing tightly interconnected, centralized banking systems while maintaining dependability and security.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8a9a9f elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"d8a9a9f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"serverless computing  1\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI3NzU3LCJ1cmwiOiJodHRwczpcL1wvaW5ub3dpc2UuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8wOVwvUGljLTEucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"680\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1.png\" class=\"attachment-large size-large wp-image-127757\" alt=\"serverless computing\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1-300x255.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1-768x653.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-1-14x12.png 14w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2ced44 elementor-widget elementor-widget-text-editor\" data-id=\"d2ced44\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Through coreless architecture, developers can initiate discrete updates or deployments, maintaining the independence of application services, elements, or functions. Additionally, this approach mitigates the risk of a single component failure impacting the entire application suite. By liberating financial institutions from legacy infrastructure and conventional development models, <\/span><span style=\"font-weight: 400;\">coreless banking solutions <\/span><span style=\"font-weight: 400;\">unlock untapped realms of scalability, efficiency, and cost-effectiveness. Within today&#8217;s banking structure, characterized by its &#8216;coreless&#8217; design, all other components reside beyond this streamlined core, establishing connections through APIs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1535ed7 e-flex e-con-boxed e-con e-parent\" data-id=\"1535ed7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97dca00 cta-text elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"97dca00\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"bold-text\">Feel like your legacy infrastructure can\u2019t keep up?<\/p>\n\n<p class=\"text\">Reshape your bank\u2019s software framework with coreless banking solutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96858d5 elementor-align-center cta-btn elementor-widget elementor-widget-button\" data-id=\"96858d5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Upgrade your system<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d92354 elementor-widget elementor-widget-text-editor\" data-id=\"4d92354\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Coreless banking and BIAN\u00a0<\/span><\/h2><p><span style=\"font-weight: 400;\">Despite coreless banking&#8217;s numerous benefits, its implementation can pose intricate challenges, requiring a reasonable level of standardization to eliminate the slightest chance of failure. This is where the Banking Industry Architecture Network (BIAN) framework comes into play.<\/span><\/p><p><span style=\"font-weight: 400;\">As a non-profit consortium of banking entities, technology providers, consultants, and academics worldwide, BIAN provides a framework for addressing concerns about banking interoperability and <a href=\"https:\/\/innowise.com\/services\/legacy-modernization\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">legacy software<\/span><\/a>. This framework allows the complex and obsolete landscape of core banking architecture to be standardized and streamlined. Based on the principles of service-oriented architecture, it offers banks future-proof methodologies and cultivates an environment of industry-wide collaboration.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c6941b elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"0c6941b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"&quot;core&quot; of banking systems2\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI3NzYxLCJ1cmwiOiJodHRwczpcL1wvaW5ub3dpc2UuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8wOVwvUGljLTIucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"680\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2.png\" class=\"attachment-large size-large wp-image-127761\" alt=\"&quot;core&quot; of banking systems\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2-300x255.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2-768x653.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-2-14x12.png 14w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6700064 elementor-widget elementor-widget-text-editor\" data-id=\"6700064\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">From a technological perspective, BIAN proves invaluable by creating digital standards and best practices in service-oriented architecture (SOA) and APIs, equipping banks with detailed tools and guidelines, and ensuring seamless interoperability within banking ecosystems.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">As a fundamental underpinning for coreless banking, BIAN eliminates the need to invest time and resources in upholding the foundational &#8220;core&#8221; of banking systems. Through this strategic move, banks can develop new services and products specifically tailored to their customers&#8217; needs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11daf2f elementor-widget elementor-widget-text-editor\" data-id=\"11daf2f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Technical elements of coreless banking<\/span><\/h2><p><span style=\"font-weight: 400;\">Naturally, the successful establishment of full-fledged <\/span><span style=\"font-weight: 400;\">coreless banking solutions <\/span><span style=\"font-weight: 400;\">necessitates more than just the incorporation of microservices, requiring robust API management, systematic automation, and domain segmentation.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e3f70 elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"f4e3f70\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Technical elements of coreless banking 3\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI3NzYyLCJ1cmwiOiJodHRwczpcL1wvaW5ub3dpc2UuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8wOVwvUGljLTMucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"680\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3.png\" class=\"attachment-large size-large wp-image-127762\" alt=\"Technical elements of coreless banking\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3-300x255.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3-768x653.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-3-14x12.png 14w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16d065e elementor-widget elementor-widget-text-editor\" data-id=\"16d065e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">API management<\/span><\/h3><p><span style=\"font-weight: 400;\">In distributed services, APIs&#8217; pivotal role in fostering data exchange and facilitating communication cannot be overstated. Developers should meticulously orchestrate APIs to provide not only data exchange but also robust security measures to safeguard delicate <a href=\"https:\/\/innowise.com\/industries\/finance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">financial<\/span><\/a> transactions. For instance, API management is crucial for executing critical functions, such as approving transactions or maintaining audit trails. This orchestration implies that transactions can be handled appropriately at the API tier, eliminating the need for replication within each discrete app and streamlining the development process.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e513ad elementor-widget elementor-widget-text-editor\" data-id=\"8e513ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Automation<\/span><\/h3><p><span style=\"font-weight: 400;\">A comprehensive embrace of automation is essential for <\/span><span style=\"font-weight: 400;\">coreless banking software solutions <\/span><span style=\"font-weight: 400;\">to achieve optimal operational performance and unwavering dependability without time-consuming manual effort. A defining advantage of total automation is frictionless scalability, which adds or removes microservices on demand without downtime. Additionally, automation incorporates application delivery pipelines, allowing developers to roll out novel features quickly, ultimately strengthening the coreless banking potential.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d274a89 elementor-widget elementor-widget-text-editor\" data-id=\"d274a89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Domain segmentation<\/span><\/h3><p><span style=\"font-weight: 400;\">Domain segmentation in <\/span><span style=\"font-weight: 400;\">coreless banking solutions<\/span><span style=\"font-weight: 400;\"> involves dividing the traditional monolithic banking system into distinct functional domains, with each focusing on specific tasks like payments, lending, or customer data. This independence enables more efficient updates since changes made to one domain don&#8217;t require changes across the entire system. The segmented architecture enhances flexibility, allowing banks to respond promptly to changing market dynamics, regulatory updates, and customer demands. With domain segmentation, banks can allocate resources to innovate and optimize specific aspects of their services, promoting quicker iteration cycles and encouraging innovation at a granular level without overhauling the entire infrastructure.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c198b59 e-flex e-con-boxed e-con e-parent\" data-id=\"c198b59\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d596d8 cta-text elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4d596d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"bold-text\">Can\u2019t respond quickly to changing market dynamics and customer demands?<\/p>\n\n<p class=\"text\">Take advantage of enhanced flexibility with a coreless banking ecosystem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fb657 elementor-align-center cta-btn elementor-widget elementor-widget-button\" data-id=\"31fb657\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Scale your offerings<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c29881 elementor-widget elementor-widget-text-editor\" data-id=\"0c29881\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Technologies lying behind coreless banking<\/span><\/h2><p><span style=\"font-weight: 400;\">Coreless banking software solutions span many novel technologies, utilizing disruptive capabilities of smart contracts, decentrilized applications, and others to accelerate innovation and transform the customer experience. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef80664 elementor-widget elementor-widget-text-editor\" data-id=\"ef80664\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Digital identities<\/span><\/h3><p><span style=\"font-weight: 400;\">Digital identity technologies play a pivotal role in coreless banking by providing secure and verifiable customer identification methods. These technologies, such as biometrics, digital signatures, and two-factor authentication, bolster user authentication and authorization processes, ensuring that only verified individuals can access and manipulate financial services within the coreless ecosystem.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f6f135 elementor-widget elementor-widget-text-editor\" data-id=\"4f6f135\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><a href=\"https:\/\/innowise.com\/services\/blockchain\/smart-contract-development\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Smart contracts<\/span><\/span><\/a><\/h3>\n<span style=\"font-weight: 400;\">Smart contracts, powered by blockchain, automate and enforce contractual agreements without intermediaries. In coreless banking, smart contracts enable self-executing financial processes, such as automated loan approvals, interest payments, and fund transfers, enhancing operational efficiency, reducing processing times, and minimizing the risk of errors.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-608d438 elementor-widget elementor-widget-text-editor\" data-id=\"608d438\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><a href=\"https:\/\/innowise.com\/services\/blockchain\/dapp-development\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Decentralized applications<\/span><\/span><\/a><\/h3><p><span style=\"font-weight: 400;\">Decentralized applications are integral to coreless banking&#8217;s modular architecture. DApps run on blockchain networks without central control, offering functionalities like peer-to-peer payments, asset tokenization, and decentralized exchanges. In coreless banking, DApps enhance flexibility and customization, enabling banks to swiftly introduce new services and adapt to changing market demands.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8963c94 elementor-widget elementor-widget-text-editor\" data-id=\"8963c94\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Microservices-based architectures and coreless banking<\/span><\/h2><p><span style=\"font-weight: 400;\">Microservices-based architectures and coreless banking share a tightly interconnected relationship, working in tandem to revolutionize the financial industry&#8217;s operational landscape. Microservices entail breaking down complex applications into smaller, independent components that can be developed, deployed, and scaled individually, with each microservice focusing on a specific task or function.<\/span><\/p><p><span style=\"font-weight: 400;\">Coreless banking software solutions<\/span><span style=\"font-weight: 400;\"> disrupt the conventional reliance on fragmented banking transaction compartments. With this concept, every aspect of the bank&#8217;s offerings is meticulously categorized as a distinct business function, allowing them to be modified or improved independently, unlike monolithic systems. This modularity enhances flexibility, allowing rapid adaptation to market changes and <a href=\"https:\/\/innowise.com\/blog\/digital-banking-trends\/\">modern trends<\/a>. Moreover, microservices can be scaled independently, ensuring optimal resource allocation and handling varying transaction volumes as well as user demands based on specific needs.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In essence, microservices-based architectures complement and enhance coreless banking principles. By embracing microservices, banks can seamlessly implement the coreless approach, redefining how financial services are developed, delivered, and experienced in a more agile, secure, and customer-focused manner.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bc2a98 elementor-widget elementor-widget-text-editor\" data-id=\"2bc2a98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Advantages of coreless banking solutions<\/span><\/h2><p><span style=\"font-weight: 400;\">Embracing a shift from the traditional monolithic systems, <\/span><span style=\"font-weight: 400;\">coreless banking solutions <\/span><span style=\"font-weight: 400;\">offer a multitude of advantages that have the potential to reshape the fintech industry.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fe198 elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"65fe198\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Advantages of coreless banking solutions 4\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI3NzYzLCJ1cmwiOiJodHRwczpcL1wvaW5ub3dpc2UuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8wOVwvUGljLTQucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"680\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4.png\" class=\"attachment-large size-large wp-image-127763\" alt=\"Advantages of coreless banking solutions\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4-300x255.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4-768x653.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2023\/09\/Pic-4-14x12.png 14w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2afb68c elementor-widget elementor-widget-text-editor\" data-id=\"2afb68c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Agility<\/span><\/h3><p><span style=\"font-weight: 400;\">Coreless banking&#8217;s agility and flexibility reshape how financial institutions operate. Banks can innovate swiftly through modular microservices, enabling them to introduce new products, services, and features without overhauling their entire infrastructure. As an example, when a bank launches a new mobile payment solution, a microservice can be created to handle digital transactions, providing a seamless user experience while maintaining the integrity of the overall banking platform at the same time.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac659fc elementor-widget elementor-widget-text-editor\" data-id=\"ac659fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Scalability\u00a0<\/span><\/h3><p><span style=\"font-weight: 400;\">Scalability is a hallmark strength of coreless banking, also rooted in its modular architecture. Microservices act as building blocks that can be independently scaled to meet varying transaction needs and user demands. Banks can, for example, instantly allocate additional resources to the payment processing microservice, ensuring they can handle a spike in transactions, like those on Black Friday, without interruptions and sacrificing performance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-480fab9 elementor-widget elementor-widget-text-editor\" data-id=\"480fab9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Cost-efficiency<\/span><\/h3><p><span style=\"font-weight: 400;\">The financial<\/span><span style=\"font-weight: 400;\"> advantages of coreless banking software solutions <\/span><span style=\"font-weight: 400;\">extend to cost efficiency. This approach significantly reduces the need for large-scale system updates and maintenance since banks are not forced to undergo comprehensive, costly overhauls. Instead, they can precisely target enhancements, creating dedicated microservices to address specific needs. For example, when a bank seeks to integrate a new payment gateway, coreless banking simplifies this process by creating a modular ecosystem, reducing development time and minimizing <a href=\"https:\/\/innowise.com\/blog\/fintech-app-development-cost\/\">associated costs<\/a>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8453bac elementor-widget elementor-widget-text-editor\" data-id=\"8453bac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Open banking<\/span><\/h3><p><span style=\"font-weight: 400;\">Coreless banking aligns seamlessly with open banking principles, unlocking a realm of collaborative possibilities. By employing well-managed APIs, banks can establish secure connections with third-party fintech providers, enhancing the range of financial services available to customers. For instance, a customer could seamlessly link their bank account with a budgeting app or investment platform through APIs, accessing a comprehensive suite of financial tools. This symbiotic relationship between coreless banking and open banking enriches customer experiences while maintaining the robust security inherent in the coreless ecosystem.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23fbf7d elementor-widget elementor-widget-text-editor\" data-id=\"23fbf7d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Redundancy and resiliency<\/span><\/h3><p><span style=\"font-weight: 400;\">The essence of coreless banking lies in decentralization, and this principle yields tangible benefits. The autonomy granted to each microservice ensures that a failure in one component doesn&#8217;t affect the entire system. If a hiccup occurs in the account verification microservice, however, due to coreless banking, this issue will not disrupt critical functions like fund transfers and loan processing, bolstering the system&#8217;s stability and resiliency.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dad66cf elementor-widget elementor-widget-text-editor\" data-id=\"dad66cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Regulatory compliance and security<\/span><\/h3><p><span style=\"font-weight: 400;\">Coreless banking&#8217;s meticulous approach to regulatory compliance and security revolves around tailored control since each microservice is equipped to enforce specific security measures. Consider a microservice that handles sensitive customer data. <\/span><span style=\"font-weight: 400;\">Coreless banking solutions<\/span><span style=\"font-weight: 400;\"> allow microservices to adhere to strict data protection regulations, significantly minimizing the risk of breaches and ensuring unwavering compliance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10cf79d elementor-widget elementor-widget-text-editor\" data-id=\"10cf79d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Global accessibility<\/span><\/h3><p><span style=\"font-weight: 400;\">The coreless banking model goes beyond geographical barriers, ensuring global accessibility to financial services. By harnessing digital channels and APIs, customers can access banking services from any corner of the world around the clock. This benefit holds immense value for international businesses, who can seamlessly manage their accounts, initiate transactions, and avail themselves of financial services without the limitations of physical boundaries or time zones.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-463e7b1 elementor-widget elementor-widget-text-editor\" data-id=\"463e7b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Challenges with coreless banking<\/span><\/h2><p><span style=\"font-weight: 400;\">The concept of coreless banking promises to revolutionize the landscape of financial service applications by liberating banks from the constraints of traditional infrastructure. Nevertheless, despite its innovation potential, coreless banking comes with significant challenges and potential drawbacks that require thoughtful consideration.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3d71b0 elementor-widget elementor-widget-text-editor\" data-id=\"d3d71b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Integration with legacy systems<\/span><\/h3><p><span style=\"font-weight: 400;\">Traditional banking systems are characterized by their extensive, intricate structures developed in obsolete languages such as Fortran or COBOL, which might appear foreign to contemporary developers. Moreover, the banking software landscape has conventionally relied on CQRS to distinguish between read and write operations, mitigating the risks of accidental data changes. However, the evolving realm of modern microservices architectures and APIs doesn&#8217;t always prioritize CQRS paradigms, adopting more modern software technologies. Therefore, developers embracing coreless banking must immerse themselves in out-of-date Fortran, COBOL, and CQRS, mastering these time-honored languages and patterns to build coreless-driven applications.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8b704b elementor-widget elementor-widget-text-editor\" data-id=\"c8b704b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Lack of established standards<\/span><\/h3><p><span style=\"font-weight: 400;\">Coreless banking stands as an evolving conceptual phenomenon rather than a firmly established industry norm. Some players, such as lBIAN, promote tools and strategies to facilitate coreless banking, but the process of reshaping an existing legacy infrastructure into discrete applications remains hazy. With no definitive roadmap for open banking initiatives and no universally accepted standards, organizations are left to explore<\/span><span style=\"font-weight: 400;\"> coreless banking software solutions<\/span><span style=\"font-weight: 400;\"> on their own, determining whether this approach benefits them. Oftentimes, bank software managers find themselves overwhelmed with the demands of day-to-day operations, leaving little room to explore such experimental trends and embrace coreless banking principles.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733ce2d elementor-widget elementor-widget-text-editor\" data-id=\"733ce2d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Alignment with overall business goals<\/span><\/h3><p><span style=\"font-weight: 400;\">Despite the disruptive potential for increasing operational efficiency and reducing security vulnerabilities, developers who attempt to reshape a bank&#8217;s software framework might lack business support due to industry skepticism. Thus, developers should town down their initial experiments with coreless banking by concentrating on lighthouse projects that target low-risk applications. Later, these initiatives can serve as compelling proof of concept when the business sector embarks on revamping legacy systems.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7bc768 e-flex e-con-boxed e-con e-parent\" data-id=\"e7bc768\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8abe73e cta-text elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8abe73e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"bold-text\">Want to enrich your banking app with a comprehensive suite of financial features?<\/p>\n\n<p class=\"text\">Leverage coreless banking APIs to unlock a realm of digital services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba58ac elementor-align-center cta-btn elementor-widget elementor-widget-button\" data-id=\"0ba58ac\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore coreless banking<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-944895b elementor-widget elementor-widget-text-editor\" data-id=\"944895b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">The future of coreless banking<\/span><\/h2><p><span style=\"font-weight: 400;\">Embracing coreless banking allows financial institutions to respond proactively to market dynamics and cater to evolving demands. By adopting this strategic shift, innovative products and services can be developed and deployed quickly.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Undoubtedly, this shift poses formidable challenges \u2013 underscoring the existence of organizations like BIAN. In spite of this, the industry is likely to see a wave of exciting innovations once it is aware of the myriad possibilities inherent in a coreless paradigm. Ultimately, this holds the promise of enhancing the industry&#8217;s potential to address banking needs in an effective and convenient way.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c059ba elementor-widget elementor-widget-text-editor\" data-id=\"3c059ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">From core to coreless<\/span><\/h2><p><span style=\"font-weight: 400;\">In the landscape of modern finance, the concept of coreless banking emerges as a beacon of transformation. It becomes evident that the traditional monolithic banking systems, while once the cornerstone of the industry, now hamper the continuous progress in the field. Coreless banking, with its domain segmentation and modular approach, offers a new path forward by breaking down the rigid structures of the past and embracing a more flexible, agile, and adaptable framework.<\/span><\/p><p><span style=\"font-weight: 400;\">In the realm of coreless banking, which is still a revolutionary concept rather than a universally accepted practice, the potential for industry-wide collaboration and innovation is boundless. By adopting this approach, financial institutions can proactively respond to the dynamic market landscape, regulatory changes, and evolving customer expectations. As we bid farewell to the monolithic era, we welcome a future defined by adaptability, innovation, and a renewed commitment to customer-centric financial services in ways that were once considered unattainable.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d6d4cb elementor-hidden-mobile e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"2d6d4cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba9a0ed elementor-widget elementor-widget-shortcode\" data-id=\"ba9a0ed\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3983684 table-content-container\" data-id=\"3983684\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b743d author-wrapper e-flex e-con-boxed e-con e-parent\" data-id=\"d3b743d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e398cc1 elementor-widget elementor-widget-html\" data-id=\"e398cc1\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"author-wrap\">\r\n      <div class=\"author-info\">\r\n        <img loading=\"lazy\" decoding=\"async\"\r\n        class=\"author-info__img\"\r\n          src=\"\/wp-content\/uploads\/2024\/01\/Property-1Denis-Yarosh.png\"\r\n          width=\"50\"\r\n          height=\"50\"\r\n          alt=\"author\"\r\n        \/>\r\n        <div class=\"author-info__personal-data\">\r\n          <a class=\"author-info__personal-data__name\" href=\"https:\/\/innowise.com\/authors\/denis-yarosh\/\">\r\n            Denis Yarosh\r\n          <\/a>\r\n          <span class=\"author-info__role\">Account Manager in FinTech<\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"author-gray-line\"><\/div>\r\n      <div class=\"author-date-publish\">\r\n        <span>Date:<\/span> <span>Sep 13, 2023<\/span>\r\n      <\/div>\r\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-9a371b5 elementor-section-full_width table-of-contents__sticky-container stickyWrapper72 elementor-section-height-default elementor-section-height-default\" data-id=\"9a371b5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-dffafb4 author-block\" data-id=\"dffafb4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-830e738 ddcv elementor-widget elementor-widget-html\" data-id=\"830e738\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.stickyWrapper72{\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;   \r\n}  \r\n\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", ()=>{\r\n        \r\nconst headerElement = document.querySelector(\".new-menu\");\r\n\r\nconst stickyElement = document.querySelector(\".stickyWrapper72\");\r\n\r\nconst headerElementH = headerElement.clientHeight;\r\n\r\n\r\nstickyElement.style.top =  headerElementH + 60 + \"px\";\r\n        \r\n});\r\n<\/script>\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h4 class=\"toc-title\">Table of contents<\/h4>\r\n  <div class=\"toc toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  const LINKS = {\r\n    \"Unleashing the power of .NET 8\": \"gggggg\",\r\n    \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n      \"hello\",\r\n  };\r\n\r\n  const OFFSET = 70;\r\n   const PADDING_BOTTOM_FOR_SCROLL = 100;\r\n  let headerList = [];\r\n  let allLinks = [];\r\n  \r\n  let ticking = false;\r\n     \r\n\r\n  const createList = () => {\r\n      \r\n      console.log('create');\r\n      \r\n      \r\n    const tocTarget = document.querySelector(\".toc.toc-2\");\r\n    const toc = document.createElement(\"ul\");\r\n    \r\n    \r\n    \r\n     headerList = [...document.querySelectorAll(\"h2\")];\r\n\r\n\r\n    \r\n    headerList = headerList.slice(0, -3);\r\n    \r\n    const filteredNodes = [document.querySelector(\".related_content_blog_container h2\")]\r\n    \r\n    headerList = headerList.filter((node)=> !filteredNodes.includes(node))\r\n    \r\n    \r\n   headerList.forEach((header,index) => {\r\n      const headerId = header.getAttribute(\"id\");\r\n      const headerText =\r\n        header.dataset.title && header.dataset.title !== \"\"\r\n          ? header.dataset.title\r\n          : header.textContent;\r\n          \r\n\r\n      const headerTocText = header.dataset.title;\r\n\r\n      const idFromText =\r\n        !headerId || headerId === \"\"\r\n          ? headerText\r\n              .toLowerCase()\r\n              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document.addEventListener(\"DOMContentLoaded\", () => {\r\n      \r\n      \r\n     setTimeout(()=>{\r\n           createList();\r\n    setContainerHeight();\r\n  \r\n    \r\n    document.addEventListener(\"scroll\", (event) => {\r\n  if (!ticking) {\r\n    checkScroll();\r\n  }\r\n});\r\n    \r\n    \r\n},300) \r\n\r\n    \r\n  });\r\n\r\n\r\n  \r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4933d91d rate-article elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4933d91d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-5f7e0674 rate-article-first-block\" data-id=\"5f7e0674\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-52463565 rate-container\" data-id=\"52463565\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-714193c1 rate-text elementor-widget elementor-widget-text-editor\" data-id=\"714193c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rate this article:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2f499a4a rate-article-star-block\" data-id=\"2f499a4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1028fde6 elementor--star-style-star_unicode elementor-star-rating--align-left elementor-star-rating-tablet--align-left elementor-widget elementor-widget-star-rating\" data-id=\"1028fde6\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#9733;<\/i><i class=\"elementor-star-full\">&#9733;<\/i><i class=\"elementor-star-full\">&#9733;<\/i><i class=\"elementor-star-full\">&#9733;<\/i><i class=\"elementor-star-empty\">&#9733;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2c91dbe1\" data-id=\"2c91dbe1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-159cfd1c reviews elementor-widget elementor-widget-text-editor\" data-id=\"159cfd1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>4.8\/5 (45 reviews)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fa3f8c0 rate-comment elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fa3f8c0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4d83d3a8 comment-article-first-block\" data-id=\"4d83d3a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-5a4e91f1\" data-id=\"5a4e91f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-4fc2ff7 e-flex e-con-boxed e-con e-parent\" data-id=\"4fc2ff7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4f46e1 elementor-widget elementor-widget-shortcode\" data-id=\"a4f46e1\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/it\/wp-json\/wp\/v2\/posts\/127786#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container.form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; 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However, the time of expansive, all-encompassing core systems that handle everything from recipient [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":127755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[128,1183],"class_list":["post-127786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-denis_yarosh_author","tag-automation","tag-banking","tag-fintech","tag-smart-contract"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts\/127786","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/comments?post=127786"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts\/127786\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/media\/127755"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/media?parent=127786"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/categories?post=127786"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/tags?post=127786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}