Managing Your Core Relationship

ABA, with the work of its Core Platforms Committee, created this list of resources to assist banks of all sizes navigate their core relationships.

Principles for Strong Bank Core Provider Relationships

Developed by the Core Committee, these Principles for Strong Bank-Core Provider Relationships offer reasonable standards under which a bank’s relationship with its core provider, and its customer base, can thrive. Fair and transparent contracts, adoption of technologies outside of the core provider offering and access to customer data are achievable standards that will allow banks to be innovative and competitive. The Committee believes these Principles are the foundation for a strong bank-core relationship.

These companies have informed ABA that they are committed to supporting the Principles for Strong Bank Core Relationships.

A Three-Part Guide to Successful Core Platform Conversions

As community and regional banks in the U.S. strive for innovation, one obstacle looms larger than others: their core processing system. Hear bankers' perspectives on their journey to modernization.

Read the Guide

Core Provider Fact Sheets

Below is a list of core providers that have adopted the Principles for Strong Bank Core Provider Relationships, along with links to their corresponding fact sheets. The ABA Core Committee collaborated with these providers to develop these fact sheets, ensuring the accuracy of the information presented.

Core Provider Overview

Below is a list of core providers along with their typical target bank asset size and the number of U.S. banks currently using their core platform.

Core Provider	Target Bank Asset Size	US Banks on Core
ASI	$30M–$2B	>150
BMA	$250M - $7B	>10
COCC	<$15B	>150
CSI	≤$20B	>500
Data Center Inc. (DCI)	≤$5B	>150
Finastra	$500M - $20B	>120
FIS Horizon	≤$20B	>370
FIS IBS	≤$20B	>150
FIS Modern Banking Platform	$20B - $100B	>5
FISC	$500M - $5B+	>270
Fiserv Cleartouch	$300M - $10B	>170
Fiserv DNA	$500M+	>190
Fiserv Finxact	$100M - $50B+	15
Fiserv Precision	$300M - $1B	>400
Fiserv Premier	$300M - $50B	>930
Fiserv Signature	$5B - $200B	>45
FPS Gold	>$500M	>745
Galileo	≤$10B	>200
IBT Apps	<$1B	>30
Jack Henry	≤$100B+	>925
Nymbus	$500M - $10B	>10
SAP Fioneer	>$500M	1
SHAZAM	<$9B	>150
Smiley Technologies	$100M - $1B	>10
TCS Bancs	$100M - $50B+	4
Temenos	>$500M+	>900
Thought Machine	>$1B	>10
UFS Tech	≤$50B	>100

Core Provider Flexibility Assessment

Identify the level of flexibility of your bank’s core system based on three primary categories: API Access, Partnership Approach, and Bank Independence.

Assess Your Core Provider

Sample Core Provider Request for Proposal (RFP) and Request for Information (RFI) Templates

ABA's Core Platform Committee developed these documents to help ABA members conduct rigorous and complete market research when choosing a core provider. Banks can use one or both of these sample templates and should customize to meet their individual business needs.