September 19, 2025
by Duncan Alexander, Product Director, Core Banking, DXC Technology
One of the most pressing issues we face when working with banks worldwide is striking a balance between rapid innovation and maintaining core-system stability.
Hogan’s API & Microservices solution was developed to address the scale and sophistication of this stressful situation. It solves the dilemma by bridging the gap between legacy mainframes and modern banking capabilities.
Hogan powers globally recognized brands
Hogan’s sole aim is to optimize and transform core banking systems, anticipating lifestyles and offering forward-thinking solutions. It isn’t just a simple alternative to the status quo; it’s uniquely transformative.
By resolving inefficiencies, modernizing processes and delivering tangible results, Hogan helps clients achieve their true potential with operational resilience and sustainable growth. Most importantly, it ensures data is secure wherever it resides, at rest, in flight and in use, with fully homomorphic encryption, on IBM’s z17.
The Hogan API solution allows banks to expose and utilize open, RESTful APIs, facilitating easier collaboration with fintechs and other third-party applications and enhancing operational effectiveness.
When financial institutions integrate modern API capabilities into their core banking systems, they can expose data and business functionalities through secure, standardized interfaces, enabling real-time interactions, efficient data sharing and the creation of new revenue streams. This helps streamline operations and adapt to the rapidly evolving fintech ecosystem.
Banks that focus on compliance exclusively (without maintaining strategic innovation initiatives) risk failing to deliver long-term business value to customers and fintech partners.
Hogan API Services ensures banks meet regulatory requirements while accelerating growth, innovation and monetization to counter that exposure. By adhering to proven standards such as financial API (FAPI) and OpenAPI requirements, Hogan reduces risks like data breaches, insecure screen-scraping and outdated interfacing methods, building partner and customer trust in the process.
Conventional in-house development can lead to expensive holdups and technical debt. Proven modernization blueprints featuring pre-built banking APIs and seamless IBM mainframe integration increase new product rollout by up to 40% while shaving 30% off the technology costs.
Many leading financial institutions use this approach to acquire fintech agility without compromising enterprise-level reliability. With advanced orchestration tools and seamless IBM z/OS Connect EE integration, Hogan’s customizable APIs create an expressway for the resilience, scalability and general transformation of core operations.
It’s a unique mechanism that resolves security and privacy issues. Homomorphic encryption allows third-party service providers to perform computations on the user's encrypted data without decrypting it.
Restyle mainframe applications and data assets as APIs using IBM z/OS Connect Enterprise Edition
Many banks have invested heavily in building their own API solutions or legacy systems, resulting in inadequate quality, poor data handling and tricky orchestration processes. Unfortunately, while they might fix a problem or two, custom-built systems can also introduce inefficiency and redundancy. Such initiatives often lack standardization, causing fragmentation across the enterprise.
Hogan solutions modernize without upsetting the technological equilibrium, maintaining cohesion while unleashing new functionality.
That means newly streamlined processes, sparkling efficiencies and merged redundant workflows. In short, the kind of operational steel that shreds complexity and encourages growth, allowing your team to focus on critical projects and strategic goals while Hogan unravels the technical knots.
These API solutions also deliver increasingly rapid and robust digital services to enhance the customer experience (CX). By shrinking processing times and achieving impeccable integration, banks satisfy mounting client expectations while nurturing trust and community affiliation.
Hogan’s API & Microservices solution is not just about technology. It helps institutions put innovation to work, generating sustainable business growth in an increasingly competitive financial landscape. Working alongside IBM, DXC helps financial services clients support millions of customers and protect assets worth trillions of dollars.
With Hogan tools, banks can rapidly expand their market reach, outpacing their fiercest competitors while proactively responding to consumer demands. Hogan’s solution enables you to accelerate product launches, lower development costs and redeploy resources to work on tasks other than routine maintenance and searching for workarounds.
Duncan Alexander is Product Director, Core Banking, DXC. He delivers strategic advisory services and mission-critical systems, with his primary focus on realizing the business benefits of digital transformation.
