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Infosys Finacle drives secure agility for a major digital bank

To create a pioneering digital-first ecosystem, this bank tapped into Finacle on Microsoft Azure to build a high-performing, scalable foundation for the future.

March 27, 2025

As one of the oldest professions in the world, banking and financial services has developed a reputation for being stuck in the past. But the reality is that financial institutions have long turned to technology to automate processes, improve operational efficiency, reduce costs, and enhance security and compliance.

One of the first significant banking software products was Infosys Finacle. Introduced in 1999, Finacle offered process automation, digital banking, and other key banking capabilities. And just over 25 years later, Finacle serves over 1 billion customers and more than 1.7 billion accounts across 100 countries, thanks to their dedication to advancing banking technology.

One of their most significant recent advances has been Finacle on Cloud, a cloud-native solution that accelerates cloud adoption. As banks become more agile, turn toward digital banking, and start integrating decentralized finance (DeFi) into their operations, cloud-based operations are quickly becoming a must due to the increased efficiency and security of the cloud.

Searching for the building blocks to redefine the banking landscape

A digital bank in the United Arab Emirates, licensed by the Central Bank of UAE, sought to become the nation’s first digital bank, serving both local and global corporate and personal wealth clients and integrating digital assets into mainstream banking. To do so, their aim was to tap into the power of advanced data capabilities to simplify and upgrade the customer experience and provide secure, reliable, and innovative solutions through blockchain and AI technologies.

“A customer-centric revolution is reshaping corporate banking,” said Sriranga N. Sampathkumar, VP and GM – Middle East and Africa, at Infosys. “This bank is spearheading this change with AI, actively shaping the future of banking through innovation and the strategic integration of digital assets.”

The bank evaluated various technology platforms, looking for capabilities that would help them successfully integrate traditional finance (TradFi) and DeFi. Their ultimate goal was to redefine the banking landscape by streamlining financial services and integrating AI and blockchain technologies into their operations. To accomplish this, they were seeking a composable architectural design and event-driven API on a cloud-native platform that offered agility and security.

Ultimately, after comparing many solutions, they decided they wanted to go beyond the traditionally defined core systems so many financial institutions rely on, and they instead adopted Finacle on Microsoft Azure, thanks to its functional richness, market-specific experience, long-term viability, operational performance, total cost of ownership (TCO), and flexibility.

Two people seated in front of desktops one on the phone

“A customer-centric revolution is reshaping corporate banking. This bank is spearheading this change with AI, actively shaping the future of banking.”

—Sriranga N. Sampathkumar, VP – Middle East and Africa, Infosys

Turning to the cloud to become a pioneer in digital-first banking

Sampathkumar explained, “The bank’s swift evolution from a digital to an AI-driven bank was made possible by the seamless deployment of the Finacle on Azure."

Finacle is instrumental to the bank’s goal of accelerating the launch of innovative services and delivering consistent customer success. The bank can process a vast amount of data and perform sophisticated analytics—all resulting in the ability to innovate and integrate emergent technologies like AI, blockchain, and digital asset management and sit at the forefront of the digital banking evolution.

They also report that Microsoft Azure has been a crucial part of their solution; choosing Azure has reportedly provided them with a high-performing, scalable, and secure foundation upon which to build the bank of the future. The bank has active connectivity and immediate recovery from one site to another, thanks to the far-reaching cloud footprint offered by Azure, including Microsoft datacenters in Dubai and Abu Dhabi.

Thanks to the agility of the cloud, the bank offers a suite of transaction banking services aimed at building the treasury of the future: they’re able to replicate solutions in just a few hours; escrow services are secure and simple; and both corporate and wealth customers will be able to access cutting-edge services as the bank develops them.

“By using the combined strength of Finacle's innovative solution suite and Microsoft Azure's robust cloud platform, this digital bank delivers a distinct, world-class experience, showcasing the essential agility, flexibility, and resilience needed to transform banking,” Sampathkumar said.

In just five weeks, the bank was able to onboard two major customers to the platform, and in only twelve weeks, they completed an end-to-end migration of all customers, accounts, and the bank’s position. They were also able to develop the following service offerings: a corporate lending solution that supports the entire loan lifecycle across multiple customer segments; a microservices-based platform that streamlines account operations; a data hub that creates secure, unified customer profiles accessible across the entire organizational ecosystem; a loan and origination solution that optimizes onboarding and time-to-market; and a virtual accounts product that reduces the need for physical, ledger-based accounts and empowers the bank to take products to market much faster.

Finacle on Azure is a look into the future of banking—agile, responsive, innovative, and secure, offering a seamless experience to customers and empowering the transformation of customers’ financial lives.

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“By using the combined strength of Finacle's innovative solution suite and Microsoft Azure's robust cloud platform, this digital bank delivers a distinct, world-class experience.”

—Sriranga N. Sampathkumar, VP – Middle East and Africa, Infosys

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