DXC CoreIgnite is a cloud-native orchestration and monetization platform for banks and fintechs. It overlays existing core banking systems such as Hogan with a secure, API-driven layer, enabling institutions to modernize incrementally, launch new products rapidly, and connect seamlessly to digital channels, payment networks, and fintech partners. CoreIgnite transforms legacy infrastructure into a dynamic, scalable ecosystem, supporting real-time payments, embedded finance, and advanced analytics.

Do I need to replace my existing banking system to us CoreIgnite?

No. CoreIgnite is designed to overlay existing core systems, such as Hogan, unlocking new capabilities and revenue streams without the need for disruptive replacement. If looking to modernize the core itself, banks can do so at their own pace leveraging CoreIgnite as a decoupling or load shifting strategy.

the future of open banking, DXC CoreIgnite | DXC Technology

CoreIgnite Orchestration Platform for Banking

The flow engine of future finance

Banks must change the way they think about their core

The modern bank carries enormous structural weight. Legacy cores constrain speed, flexibility and the ability to respond to market shifts. Hundreds of millions of deposit accounts sit idle: unmonetized, underleveraged, generating no incremental revenue. Product innovation cycles that should take weeks stretch into quarters. Ecosystems remain fragmented, with integrations that create technical debt faster than they create value.

The banks that will win the next decade aren't building new cores from scratch; they're rearchitecting how their existing infrastructure creates value. That means moving from systems that record transactions to platforms that generate revenue. The shift is strategic, not just technical.

DXC CoreIgnite: Turn every account into a revenue opportunity

CoreIgnite is a purpose-built platform that unlocks the revenue potential inside your existing banking infrastructure while accelerating your path to a modern, API-first architecture. It is the orchestration and monetization layer that sits above your existing core, activating capabilities your infrastructure was never designed to deliver on its own: no core replacement required, with new revenue streams activated in weeks.

Through AI-assisted, outcome-based delivery, CoreIgnite modernizes legacy systems and monetizes deposits, payments and ecosystems at scale.

Opportunities unlocked by CoreIgnite

Embedded finance

Deliver banking services through non-bank brands and platforms. Monetize your charter, compliance infrastructure and balance sheet without building a new distribution layer.

Buy Now, Pay Later (BNPL)

Launch a fully operational BNPL product in 90 days on your existing rails. Compete directly with fintech challengers without building from scratch.

Digital assets and stablecoins

Add crypto-native wallet capabilities and stablecoin support for retail and institutional clients. Regulatory-ready from day one.

Payments orchestration

Intelligent routing across ACH, RTP, FedNow, wire and card rails. Reduce cost per transaction while improving reliability and customer experience.

Sponsor bank enablement

Operationalize your role as a sponsor bank. Compliance monitoring and ecosystem management at scale.

Demand deposit monetization

Activate revenue potential across your DDA base through embedded offers, cross-sell triggers and product layering.

300M+

deposit accounts accessible via Hogan

$5T

deposits processed annually through Hogan

45+

years of banking industry expertise

What CoreIgnite delivers

Speed to market

Launch new products in weeks, not quarters. CoreIgnite removes the release cycle bottleneck that keeps you from pulling ahead of competitors.

Revenue from existing assets

Activate the revenue potential sitting inside your deposit base. Enable embedded finance, cross-sell triggers and product layering, without a greenfield build.

Real-time orchestration

Process every transaction instantly. Live data surfaces mean your products can respond at the speed of money, not the speed of batch cycles.

A unified ecosystem

Replace fragmented point integrations with a single orchestration layer. Every fintech partnership is connected, not siloed.

Infrastructure that earns its keep

Shift core banking from a cost center to a revenue platform. Every account, transaction and data point becomes a monetizable surface.

Product flexibility without the risk

Decouple innovation from your core. Launch, test and iterate on new products without making every change a risk event.

Sectors we serve

Tier 1 banks: Enterprise-grade orchestration and monetization at global scale, designed to operate alongside existing cores and complex technology estates without disruption to critical infrastructure.

Regional banks: Modernization and monetization capabilities sized for institutions with $10B to $500B in assets. Compete with national banks and fintech challengers on modern product terms.

Credit unions: Deliver modern digital experiences and new product lines to members without the capital expenditure of a full core replacement. Growth on your terms.

Fintech and sponsor banks: API-first architecture, sponsor bank enablement and ecosystem connectivity built for speed and compliance from day one. Infrastructure that scales as fast as your roadmap.

Contact DXC to learn more

Leaders

Sandeep Bhanote

Global Leader, Financial Services

Brad Goad
Head of Core Banking and Payments

Frequently asked questions about CoreIgnite

DXC CoreIgnite is a cloud-native orchestration and monetization platform purpose-built for banks and financial institutions. It operates as a layer above your existing core banking infrastructure, activating revenue streams, enabling real-time payments and unlocking modern API-first capabilities without requiring a full core replacement. CoreIgnite transforms infrastructure that was built to record transactions into a platform that generates revenue, supporting use cases including embedded finance, Buy Now Pay Later, digital assets, payments orchestration and demand deposit monetization.

No. CoreIgnite is designed to operate alongside your existing core, not in place of it. It adds an orchestration and monetization layer above your current infrastructure, unlocking new capabilities and revenue streams without the disruption, cost or organizational risk of a full replacement program. For institutions that do want to modernize their core over time, CoreIgnite supports an incremental path, allowing you to extend and evolve your infrastructure at your own pace, without a big-bang cutover.

CoreIgnite is built for the full spectrum of banking institutions. Tier 1 banks use it for enterprise-grade orchestration and monetization at global scale. Regional banks use it to compete with national banks and fintech challengers on modern product terms. Credit unions use it to deliver modern member experiences without the capital expenditure of full core replacement. Fintech and sponsor banks use it to scale infrastructure at the speed their roadmap demands.

CoreIgnite supports intelligent routing across all major US payment rails, including ACH, RTP, FedNow, wire and card. Its payments orchestration layer reduces cost per transaction while improving reliability and customer experience, enabling institutions to activate real-time payment capabilities without rebuilding their underlying infrastructure.

CoreIgnite enables banks to deliver banking-as-a-service capabilities through non-bank brands and platforms, monetizing their charter, compliance infrastructure and balance sheet without building a new distribution layer. This allows institutions to participate in embedded finance ecosystems as infrastructure providers, generating new revenue from assets they already hold.