In today’s digital-first world, banks and financial institutions face a paradox: legacy systems still hold essential business value, but the architecture around them struggles to meet the demands of modern digital channels like mobile and web.
Legacy systems are not a problem, legacy architecture is. These systems still contain valuable business logic and data, but it’s the outdated architecture around them that holds organizations back, making change slow, costly, and risky.
This is where the Digital Integration Hub (DIH) comes in.
A Digital Integration Hub (DIH) is a modern architectural pattern that centralizes data from various sources to provide a scalable, high-performance, and real-time data layer for digital applications. It acts as a central point for data ingestion, transformation, and distribution, offering a unified view of data across the enterprise. Digital Integration Hubs (DIHs) are particularly useful for enterprises undergoing digital transformation, enabling them to modernize legacy systems and improve customer experiences.
It collects, aggregates, and refreshes operational data from multiple sources — core banking, card systems, payment engines, scoring services — and makes it available through modern APIs that are fast, reliable, and developer-friendly. This gives organizations the best of both worlds:
Modernizing legacy systems doesn’t have to mean replacing them. Digital Integration Hub (DIH) offers a safer path—extending the value of existing systems while enabling agile, incremental transformation.
Digital Integration Hub (DIH) delivers a unified digital experience by abstracting complexity across multiple back-end systems. No matter how fragmented the core, users get fast, reliable service.
Digital Integration Hub (DIH) ensures 24/7 performance and high-performance, elastic scalability—critical for both customer satisfaction and operational resilience.
Instead of managing 6–10 APIs, developers get a single, real-time data layer—cutting integration time, reducing cost, and accelerating delivery.
From PSD3 to fraud detection, Digital Integration Hub (DIH) supports real-time access, lower risk, and audit readiness—reducing capital requirements in the process.
Enterprise AI needs more than documents—it needs structured, operational data. Digital Integration Hub (DIH) connects AI models to real-time systems, powering next-gen use cases in service, personalization, and fraud prevention.
Digital Bank Operating System (DBOS) is the execution layer that brings the Digital Integration Hub (DIH) concept to life. While Digital Integration Hub (DIH) is the architectural pattern, Digital Bank Operating System (DBOS) is the productized platform that conforms to it—out of the box. Here is what it means:
Applying the Digital Integration Hub (DIH) approach through the Digital Bank Operating System (DBOS) gives banks a decisive competitive edge: the ability to innovate quickly without disrupting core operations. By decoupling modern digital services from legacy complexity, banks unlock a future-ready architecture while preserving the reliability of their systems of record.
The Digital Bank Operating System (DBOS) turns the Digital Integration Hub (DIH) pattern into a tangible, scalable solution, one that empowers financial institutions to modernize confidently, act with agility, and deliver consistent value to customers.
In a landscape where speed, scale, and experience define winners and losers, clinging to rigid, legacy-bound architectures is no longer viable. With the combined power of the Digital Integration Hub (DIH) and the Digital Bank Operating System (DBOS), banks can chart a smarter course, one that protects what works today while unlocking what’s next.