Question 1

We can't afford a core replacement.

Accepted Answer

You may not need one. Most of the pain sits in the seams — interfaces, reporting and channels — and those can be modernized first, in slices that fit an annual budget and never freeze the branch.

Question 2

Do you work with our existing core vendor?

Accepted Answer

Yes — the starting point is almost always the systems you already run. We integrate, wrap and migrate around them; replacement is one option among several, not the premise.

Question 3

On-prem or cloud?

Accepted Answer

Both are legitimate, and the answer follows your BSP obligations, your team's operational reality and your cost structure — not a vendor's migration targets.

Question 4

How do you handle language and timezone?

Accepted Answer

Work happens in English and Filipino, during hours that overlap the Philippines — discovery, workshops and support included, not just delivery.

Question 5

Do I need to be on QR Ph / InstaPay to serve mobile customers?

Accepted Answer

For real-time payments, yes — QR Ph and InstaPay are how customers expect to move money now, and PESONet covers the low-value batch side. We wire these rails into the core you already run so you don't replace the core to reach the phone.

Question 6

How much does AMLC reporting automation save?

Accepted Answer

The saving isn't just hours — it's the month-end scramble and the reconciliation risk that comes with assembling reports by hand across core, teller and loan systems. Automation pulls from one reconciled source on a schedule, so the report is auditable and retrievable when AMLC asks.