Swiss cloud-native neo core banking system

"The right information, at the right time"

Cloud-native core banking.

A bank is as strong as its weakest link - the core banking engine: a historically grown patchwork of repositories, vendors, consultants and programming languages. The current legacy solutions will not outlive the next 10 years in their current state.

Plug-and-play. But always comply.

360core delivers a core banking solution in the form of a localized single source of truth complying with supervisory law (FINMA), Swiss recordkeeping duties (CO), the Swiss Payment Standards (SPS), ISO 20022 financial messaging and ISO 27001 InfoSec.

Integrations with leading data providers.

If data is really the new oil (Clive Humby), then even first-class data is just raw data if it is not refined, processed and embedded in business processes that make life easier for bank customers and employees.

Real-time stream of events.

360core operationalizes customer and financial data in real time. Ongoing due diligence under FATF Recommendation 10 helps us run sanctions, fraud and AML screening jobs on a daily basis and update our master data in sync with primary sources.

Open APIs. Rich documentation.

Data must be up to date and accessible to stakeholders in a standardised and structured format via HTTP requests. 360core's APIs and user interface have easy-to-understand documentation based on the business logic and terminology specific to the financial industry.

99.99% uptime. Reliable backup.

360core deploys Tier III compute and high-performance databases with multi-zone availability (uptime of 99.99%). User sessions have sub-millisecond response times due to high-speed in-memory data stores. Offline backups on tape protect against ransomware.

Microservices architecture

Relevant Reading

James Adamson, Branden Williams (2023) PCI Compliance: Understand and Implement Effective PCI Data Security Standard Compliance (here)

William P. Bejeck Jr. (2018) Kafka Streams in Action. Real-time apps and microservices with the Kafka Streams API (here)

Jens-Hinrich Binder, Paolo Saguato (2021) Financial Market Infrastructures: Law and Regulation (here)

Ulrich Bindseil, George Pantelopoulos (2023) Introduction to Payments and Financial Market Infrastructures (here)

Ulrich Bindseil (2022) Introduction to Central Banking (here)

Mohan Bhatia (2023) Banking 4.0: The Industrialised Bank of Tomorrow (here)

BIAN Association (2021) BIAN 2nd Edition - A framework for the financial services industry (here)

Andrew Bradford (2012) The Investment Industry for IT Practitioners: An Introductory Guide (here)

Margarita S. Brose, Mark D. Flood, Dilip Krishna, Bill Nichols (2014) Handbook of Financial Data and Risk Information II: Software and Data (here)

Brian Buzzelli (2023) Data Quality Engineering in Financial Services (here)

Bundesverband der Deutschen Volksbanken und Raiffeisenbanken - BVR (2022) Der Zahlungsverkehr in der Bankpraxis: Zahlungsdienste (Überweisung, Lastschrift, Debitkarte, Kreditkarte, Online-Banking) - Scheck - Wechsel - SEPA - Preis- und Leistungsmerkmale (here)

Confidential Computing Consortium (CCC) (here)

Carol Coye Benson, Scott Loftesness, Russ Jones (2017) Payments Systems in the U.S.: A Guide for the Payments Professional (here)

David F. DeRosa (2013) Foreign Exchange Operations: Master Trading Agreements, Settlement, and Collateral (here)

Keith Dickinson (2015) Financial Markets Operations Management (here)

Ilya Dubinsky (2023) Acquiring Card Payments (here)

Hubert Dulay, Ralph M. Debusmann (2024) Streaming Databases. Unifying Batch and Stream Processing (here)

ECB Occasional Paper No. 2022/294 Costs of Retail Payments – an Overview of Recent National Studies in Europe (here)

Claire Frankel (2024) Data Models for Banking, Finance, and Insurance: Jumpstart Database Designs with Proven Patterns (here)

Martijn Groot (2017) A Primer in Financial Data Management (here)

Martijn Groot (2008) Managing Financial Information in the Trade Lifecycle. A Concise Atlas of Financial Instruments and Processes (here)

Alexander Gruber (2020) Modernizing Core Banking Systems: Deduction of a Technical Modernization Process for the Software Architecture of Core Banking Systems (here)

Stephanie Hammer, Michael Kuhn (2013) Architects of Electronic Trading: Technology Leaders Who Are Shaping Today's Financial Markets (here)

ISO 10962:2021 (2019) Securities and related financial instruments - Classification of financial instruments (CFI) code (here)

ISO 20022-1:2013 (2019) Financial services - Universal financial industry message scheme. Part 1: Metamodel

ISO 20022-2:2013 (2019) Financial services - Universal financial industry message scheme. Part 2: UML profile (here)

ISO 20022-3:2013 (2019) Financial services - Universal financial industry message scheme. Part 3: Modelling (here)

ISO 20022-4:2013 (2019) Financial services - Universal financial industry message scheme. Part 4: XML Schema generation (here)

ISO 20022-5:2013 (2019) Financial services - Universal financial industry message scheme. Part 5: Reverse engineering (here)

ISO 20022-6:2013 (2024) Financial services - Universal financial industry message scheme. Part 6: Message transport characteristics (here)

ISO 20022-7:2013 (2019) Financial services - Universal financial industry message scheme. Part 7: Registration (here)

ISO 20022-8:2013 (2019) Financial services - Universal financial industry message scheme. Part 8: ASN.1 generation (here)

Tamer Khraisha (2024) Financial Data Engineering (here)

Mervyn J. King (2010) Back Office and Operational Risk: Symptoms, sources and cures (here)

Michael Kuhn, Stephanie Hammer (2013) Architects of Electronic Trading: Technology Leaders Who Are Shaping Today's Financial Markets (here)

Jana Sarah Lat (2024) Managing Data Integrity for Finance: Discover practical data quality management strategies for finance analysts and data professionals (here)

David Loader (2019) Clearing, Settlement and Custody (here)

Beata Lubinska (2020) Asset Liability Management Optimisation: A Practitioner's Guide to Balance Sheet Management and Remodelling (here)

Jamil Mina, Armin Warda, et al. (2023) Digitalization of Financial Services in the Age of Cloud: Considerations for your Organization's Cloud Strategy (here)

Peter Norman (2007) Plumbers and Visionaries: Securities Settlement and Europe's Financial Market(here)

Peter Norman (2011) The Risk Controllers: Central Counterparty Clearing in Globalised Financial Market (here)

Christian Radu (2002) Implementing Electronic Card Payment Systems (here)

Gwen Shapira, Todd Palino, Rajini Sivaram, Krit Petty (2021) Kafka: The Definitive Guide, 2nd Edition. Real-Time Data and Stream Processing at Scale (here)

Seppo Sippu, Eljas Soisalon-Soininen (2015) Transaction Processing: Management of the Logical Database and its Underlying Physical Structure (here)

Stefan Sprenger (2025) Streaming Data Pipelines with Kafka (here)

Fidelio Tata (2025) Bank Asset-Liability Management: A Guide to Managing Interest Rate Risk in the Banking Book for Practitioners, Regulators, and Supervisors in the EU

Guido Toussaint (2020) Das Recht des Zahlungsverkehrs im Überblick (here)