The Configurable Bank: Low‑Code, AI, and Personalization at Scale

By Sundararajan S, Co-founder & CEO, of i-exceed

Is your bank truly digital – or just digitally wrapped?

The era of static banking is behind us. While digitization has transformed how financial products are delivered, the systems powering them remain stubbornly rigid. This disconnect is widening the gap between what customers expect – instant, personalized experiences – and what most banks can deliver.

It’s not a question of intent. Banks have ambition and vision. What holds them back is the weight of legacy infrastructure technology built for stability, not for speed or adaptability.

By 2026, over half of the world’s population will use digital banking. As this shift accelerates, customers are becoming more discerning: nearly 80% say they would switch to a bank that better meets their needs. Yet, many financial institutions are bound by complex delivery processes that turn a simple user request into a multi-month project.

So, banking ends ...