Tighter regulation, tighter margins, and fifty years of accumulated technology. The usual answer is to replace it all, and it's an answer that has failed too often to take on trust. Our paper makes the case for understanding your estate first.
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A well-maintained COBOL core on modern infrastructure is often cheap, stable and hard to beat on cost. Yet it's usually the first thing a business case proposes to replace.
The tightest constraints sit in the digital and workflow platforms bolted on around 2000, now unsupported and barely documented. Yet most of the attention still goes to the mainframe underneath.
Large migrations in this sector routinely overrun, and often leave legacy in place anyway. Yet because the spend is capital rather than operational, moving can still look like the cheaper option.