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Home/Knowledge Hub/Download Center/Whitepaper

Beyond Rip & Replace

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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What's inside

  • What is legacy? Defining the problem before solving it
  • Understanding the market: Where legacy really matters
  • The true cost of legacy and the hidden cost of moving
  • The regulatory wave: Compliance as a forcing function
  • The hidden cost trap: BPO, sourcing and the closed-book problem
  • A different approach: Understand first, then decide
  • Conclusion: Understand your legacy before you act on it
Resource cover

Your key takeaways

Old isn't broken

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 wrong layer

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.

The cost of moving

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.

Ready to get started?

Our paper sets out where legacy really constrains UK life and pensions firms, and what to do about it beyond rip and replace.