Beside your core. Coexistence, not conversion.
A8 Core™ is not a core banking system. It is the account operating system that runs beside the core you already have — carrying the account types, rails, and reporting a deposit core does badly, on one authoritative record — so the core decision can be made on your own timeline.
The cores we are designed to run beside
Designed integration patterns, stated as designed. A pattern is not a certification, and partner or marketplace status is claimed only when it exists.
Fiserv
Products: Premier, DNA, Precision, Cleartouch. Pattern: interchange through the Integration Exchange — designed.
Jack Henry
Products: SilverLake, CIF 20/20, Core Director. Pattern: interchange through the Integration Exchange — designed.
FIS
Products: HORIZON, IBS. Pattern: interchange through the Integration Exchange — designed.
Finastra
Products: Phoenix. Pattern: interchange through the Integration Exchange — designed.
CSI
Products: CSI core. Pattern: interchange through the Integration Exchange — designed.
COCC
Products: COCC core. Pattern: interchange through the Integration Exchange — designed.
Other cores, including Data Center Inc., follow the same pattern. The product list is the one the 2024 ABA Core Platforms Survey reports at 2% or more of respondents.
Where every core is weakest
The 2024 ABA Core Platforms Survey scored providers on nineteen attributes. These are the account-layer ones.
Real-time processing
Importance 4.21 of 5; effectiveness 2.90. New to the survey in 2024, and the largest single gap between what bankers want and what their core delivers.
Third-party integration
Effectiveness 2.51 on making it easy to integrate with third-party providers for ancillary solutions.
API pricing
Effectiveness 2.43 on a reasonable pricing structure for API usage and access — the lowest attribute in the survey.
Public API documentation
Effectiveness 2.58 on making complete API documentation publicly available.
Digital-savvy customers
Importance 4.18; effectiveness 2.59 on helping the bank attract and retain digital-savvy customers.
Historical data
Effectiveness 2.44 on reasonable cost estimates to obtain historical data.
Every one of these is an account-layer gap, not a ledger gap — and it is the layer A8 Core™ is built to carry. Source: 2024 ABA Core Platforms Survey, 780 banker respondents, published February 2025. Bankers rated their providers’ overall effectiveness 2.78; providers rated themselves 4.31.
Your timeline, not a vendor’s
What can move now, and what should stay where it is.
The window
Only 19% of banks in the survey expect to convert at their next renewal, and the ABA advises starting a core evaluation two to four years before it. The account layer does not have to wait for that decision.
What you can add now
Retirement, trust and fiduciary, private-fund, and digital-asset accounts — the account types a depositor cannot open at a teller window — opened, funded, titled, and reported on A8 Core™.
What stays on the core
Deposits, lending, cards, and branch operations. Compared feature-for-feature on those, A8 Core™ loses on purpose: it does not intend to build them.
How the two reconcile
Segregated product books on A8 Core™, reconciled to the core through the Integration Exchange, with dual control on movement and maintenance and records organized for examination.
Status. Beside-your-core integration is a product specification. Nothing on this page is generally available today, and availability for any institution depends on that institution’s own authorities, contracts, integrations, and policies. See product status for how A8 Core™ labels capability maturity.
Frequently asked questions
Short answers, with the status stated.
Does A8 Core™ replace our core?
No. It runs beside it. The core keeps deposits, lending, cards, and branch operations; A8 Core™ carries the accounts, rails, and reporting the core does badly, reconciled to the core through the Integration Exchange.
Which cores are covered?
Designed integration patterns for Fiserv (Premier, DNA, Precision, Cleartouch), Jack Henry (SilverLake, CIF 20/20, Core Director), FIS (HORIZON, IBS), Finastra (Phoenix), CSI, and COCC.
Is a designed pattern a certification?
No, and the page does not say it is. These are designed patterns. Certification, partner, or marketplace status is stated only when it exists.
We are two to four years from renewal. Why act now?
Because that is the window the ABA advises for a core evaluation, and the account types you need — retirement, trust and fiduciary, private-fund, digital-asset — do not have to wait for it. Add the account layer now; decide the core on your own timeline.
Keep your core. Add the account layer.
See how A8 Core™ runs beside the core you have, on your account model.