The Economics of
Composable Banking

What legacy core really costs, and how a composable, cloud-native model changes the maths.

Every quarter spent on a monolithic core is a quarter of deferred products, rising maintenance, and vendor lock-in. This eBook breaks down the true total cost of ownership of legacy core banking versus a composable, Financial Function as a Service approach, with the levers that actually move the numbers.

What's inside

• The hidden line items in legacy core TCO: maintenance, change requests, downtime, opportunity cost
• Why time-to-market is an economic metric, not just a product one (4 weeks versus 12+ months)
• How composability turns fixed cost into usage-based, scalable spend
• A framework for building the business case to your board
• What buy vs. build vs. compose looks like on a balance sheet

Written for CIOs, Heads of Core Banking, and Transformation leads at banks, participation and Islamic banks, and financial institutions across the GCC and Türkiye.