The Biggest Risk Is Not Modernization - It Is Standing Still

For too long, banks have been trapped by their inflexible legacy systems and fragmented solutions. UST FinX provides the only credible path to full banking modernization:

—Complete modern composable platform.
—Co-existence, migration, and managed services.
—All under a single, accountable partnership.

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Who We Are

Who we are

We are a UST company focused  on a singular mission: to liberate banks from technological imprisonment. We solve your most fundamental challenges, backed by the global scale of UST:

  • 25 years of proven industry expertise
  • 35,000 personnel across 31 countries
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What We Do

What we do

We provide a complete, risk-mitigated pathway to modernization . Our approach ensures you see immediate value while confidently building towards a future-ready state.

  • Cloud-native platform with an industry-leading API orchestration layer
  • Phased, de-risked implementation for end-to-end accountability
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Why Partner WIth Us

Why partner with us?

Choose a single, foundational partner for your entire modernization journey. Our comprehensive model simplifies complexity and allows you to focus on your business, not on managing vendors.

  • Transfer operational risk to a trusted partner
  • Deliver measurable business outcomes
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The Future of Banking

UST FinX’s composable platform addresses the industry gap with an end-to-end vision for an AI enabled, real time, data driven banking platform.

Our Challenge

Our Mission Collapse Icon@2x The Fintech model for the mid-tier banks is broken. Great individual solutions, but costs and risks associated with a composable, non-integrated eco-system are too high.

Our Mission

Our Mission Collapse Icon@2x To liberate mid-tier financial institutions from the burdens of legacy technology with the least amount of pain.

UST founded UST FinX in 2025 investing in a strong leadership team to bring to market the first fully managed composable best-of-breed cloud native banking platform.

Our Approach

Our Mission Collapse Icon@2x The first fully managed, composable best-of-breed bank-in-a-box harnessed through our innovative FinX GLUE API/Data management layer.

Market Problem:

Legacy Challenges in Mid-Tier Banking

Legacy Platforms and Codebases

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Banks and credit unions operate on legacy platforms developed in the 1980s-1990s often COBOL-based.
These system feature 20–40-year-old code bases, creating significant operational challenges.

Expensive and Difficult to Replace Systems

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Legacy lock-in results in systems that are costly and challenging to replace. High maintenance fees further strain financial resources for these institutions.

Limited API Capabilities

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Legacy systems typically expose limited APIs, requiring costly and time-consuming custom integration work for any new service or third-party connection

Customizations Challenges

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Any customization to core banking platforms typically voids vendor support agreements or requires expensive professional services engagements. Banks must choose between standardized functionality that doesn't meet their business needs or costly customizations that create upgrade barriers.

Cybersecurity Risks

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Legacy core banking platforms face heightened cybersecurity risks due to outdated architectures, unpatched vulnerabilities, weak authentication mechanisms, and limited resilience against modern attack techniques.

UST FinX Glue:

Best-of-Breed Banking Composability

UST FinX’s composable platform addresses the industry gap with an end-to-end vision for an AI enabled,
real time, data driven banking platform.

BIAN Compliant

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  • Ready-to-use BIAN service domains for faster alignment with modern banking standards

Real-time

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  • Integrated into modern real-time applications
  • Real-time data streaming 
  • 24/7 availability

Security

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Bank-grade security protocols, continuous monitoring, and automated threat response provide superior protection compared to legacy system vulnerabilities.

Full API Coverage

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  • End-to-end automation and integration

  • Faster innovation and product delivery

  • Improved customer experiences

Bank Processes

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Out of the box bank processes for retail and business banking to accelerate speed to market

Managed Services

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A single, integrated operations framework that combines technology expertise, proactive monitoring and continuous service improvement, ensuring platform resilience and compliance.

Single Partnership into full ecosystem

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Leveraging proven market leaders in specific domains - payment processors, lending & core platforms, risk engines, reporting platforms, digital banking solutions, and compliance tools - integrating them seamlessly through the orchestration layer

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Benefits of UST FinX Glue

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Accelerated Modernization:

Seamless coexistence with legacy cores while enabling new digital services.

2

Composable Banking:

Pre-built integrations into leading fintech platforms 

3

Open & Extensible:

Fully API-first, and designed for open banking + ecosystem growth.
4

Secure & Scalable:

Enterprise-grade API management with governance, observability, and audit controls.

5

BIAN-Compliant Foundation:

Ready-to-use service domains for faster alignment with modern banking standards.
6

Developer Empowerment:

Integrated Backstage documentation hub with self-service APIs, SDKs, and orchestration blueprints.

Pathways to Successful Modernization

More

Greenfield

FinX's Greenfield approach builds new, digital-native banking platforms, entirely separate from legacy cores.

FinX Glue orchestrates pre-built integrations, enabling rapid innovation, clean architecture, and operational efficiency from day one.

Enrichment Approach

Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings alongside your legacy core.

FinX Glue harmonizes your legacy core with modern systems, allowing you to introduce new digital services confidently and incrementally for a faster ROI.

Enrichment + Core Coexistence

FinX's Coexistence approach operates a modern core and orchestration layer alongside your legacy core.

FinX Glue acts as a bridge, enabling phased innovation and faster ROI by delivering new digital capabilities without disrupting core services. This ensures business continuity and risk mitigation.

Progressive Modernization

Evolving from coexistence, this phased migration strategy uses FinX Glue to progressively move capabilities from the legacy stack.

It ensures a controlled, sustainable transformation that reduces risk, allows for continuous innovation, and results in a future-proof, fully modern platform.

Complete Transformation

The final destination of your transformation, where your institution's core banking functions are now powered by the modern FinX platform.

This unlocks unparalleled agility, simplified operations, and the full potential for future innovation.

Progressive Modernization Enrichment + Co existence Fully Modernized Complete Modernization Greenfield Enrichment Bank & Legacy Systems

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More

Greenfield

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FinX's Greenfield approach builds new, digital-native banking platforms, entirely separate from legacy cores.

FinX Glue orchestrates pre-built integrations, enabling rapid innovation, clean architecture, and operational efficiency from day one.

Enrichment Approach

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Utilize a pre-integrated banking ecosystem to quickly innovate, test and pilot new offerings alongside your legacy core.

FinX Glue harmonizes your legacy core with modern systems, allowing you to introduce new digital services confidently and incrementally for a faster ROI.

Enrichment + Core Coexistence

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FinX's Coexistence approach operates a modern core and orchestration layer alongside your legacy core.

FinX Glue acts as a bridge, enabling phased innovation and faster ROI by delivering new digital capabilities without disrupting core services. This ensures business continuity and risk mitigation.

Progressive Modernization

Expand Icon

Evolving from coexistence, this phased migration strategy uses FinX Glue to progressively move capabilities from the legacy stack.

It ensures a controlled, sustainable transformation that reduces risk, allows for continuous innovation, and results in a future-proof, fully modern platform.

Complete Transformation

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The final destination of your transformation, where your institution's core banking functions are now powered by the modern FinX platform.

This unlocks unparalleled agility, simplified operations, and the full potential for future innovation.

Outcomes with UST FinX

future-proof customer-1

Future-Proof Foundation

BIAN's standard banking language for seamless system communication.

This creates a modular, plug-and-play architecture for all components.

  • Accelerated Time-to-Market
  • Reduced Modernization Risk
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Reduced cost to build and cost 
to serve

Out of the box integrations and standardized integration approach for accelerated capability deployment

Road test new products or fintech capabilities.

  • Add Platform Capabilities Without Disruption 
  • Reduced Cost to Deploy Features
SaaS-Approach secure

Secure, scalable SaaS approach

Build, Modernise and Migrate With Modern Banking Solutions

Leverage best of breed market SaaS offerings
+ FinX bolt-on modules.

  • Reduce time/cost to evaluate
  • Accuracy of strategy
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a UST Company

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