The evolving landscape of financial technology has necessitated a fundamental shift in banking infrastructure design and implementation. Modern financial institutions face the challenge of managing dual transaction types – System of Record (SoR) and System of Reference (SoRef) – while maintaining operational efficiency and customer satisfaction. The transition from traditional mainframe-centric architectures to a sophisticated two-tier model represents a pivotal advancement in banking technology. This modernization enables institutions to optimize mainframe utilization for critical financial transactions while leveraging contemporary technologies for informational queries and customer service operations. The implementation of streaming data platforms, advanced processing frameworks, and distributed storage solutions has revolutionized banking operations, resulting in substantial improvements in transaction processing efficiency, system reliability, and customer experience. Additionally, the adoption of API-first architectures and microservices has enhanced system scalability and integration capabilities, while significantly reducing operational costs and maintenance overhead. The integration of artificial intelligence, machine learning, and advanced analytics continues to drive innovation in fraud detection, personalization, and customer service delivery.
Keywords: banking infrastructure transformation, customer experience enhancement, digital banking modernization, financial technology innovation, two-tier architecture
