In the financial services industry, agility, security, and scalability are essential to staying competitive in a rapidly evolving digital landscape. A composable approach, built on modular, cloud-native, API-driven technology, allows financial institutions to adapt quickly to market changes, regulatory requirements, and customer demands.
Unlike traditional legacy systems, flexible MACH architecture enables seamless integration of best-in-class solutions, ensuring faster innovation, enhanced data security, and a more personalized customer experience. By embracing this modern technology strategy, financial organizations can future-proof their digital infrastructure, reduce operational risks, and accelerate time-to-market for new services.
The percentage of banking leaders who see legacy [technology] infrastructure as their greatest challenge to pursue opportunities and address competitive threats¹
of senior FSI leaders say they are yet to make significant progress on their digital transformation plans²
of FSI CXOs plan to increase their investments in digital transformation³
of FSI organizations have increased their investments in MACH architecture in the past 12 months, demonstrating how modern composable solutions have become a core focus for enterprise technology investments⁴

Contentstack
To stay ahead of the competition and satisfy customer needs, financial institutions must take advantage of the most advanced solutions available to optimize customer experiences. Composable digital experience platforms provide an easy-to-implement suite of tools and features that allow businesses to execute complex tasks quickly and cost efficiently.

Publicis Sapient
Composable technology allows financial institutions to quickly respond to evolving regulatory requirements by modularizing compliance functionalities. That way, these organizations can update compliance processes independently without disrupting other areas of the business.

EPAM
The transition to composable banking infrastructure opens a realm of possibilities for banks looking to build a competitive advantage.

Taxfix's journey to a composable referral program

FBS eliminates the developer bottleneck by adopting a headless CMS
Content is now updated immediately, offering a more modern, accurate website experience.

Clover empowers merchants worldwide with engaging digital experiences
Contentful is enabling Clover to launch campaigns faster to increase operational efficiency.
The MACH Alliance Maturity Assessment helps organizations assess their current ability to execute and leverage the benefits of MACH technologies, and help businesses get started on their MACH journey.
It takes 10 minutes, and the downloadable insights provided will help Financial Services organizations evaluate their current level of digital efficacy and create a clear roadmap to future-proof their digital strategy with MACH.

1 Source: Forbes Insights: Banking at a Crossroads (2022)
2 Source: Publicis Sapient: Global Banking Benchmark Study (2022)
3 Source: CapGemeni: World Report Series 2024 - Digital Banking (2024)
4 Source: MACH Alliance: Annual Research Report (2024)