Specification Drift Risk
The mandate terms are alive. The documentation is not.
Production logic, manual corrections and RM workarounds may describe a different client relationship than the original mandate paperwork.
Data and code migration for
banking and wealth management leaders.
Turn fifty years of client history into a competitive moat — bring us in before the people who understand the book retire.
80%cost reduction
50%faster delivery
100%CH data centres
100%your IP
A complete path
Discovery. Migration. Insight.
Three connected disciplines keep the programme focused on business meaning rather than technical movement alone.
Discovery
Capture what lives in people's heads
We interview relationship managers, product specialists and IT veterans, and reverse-engineer decades of undocumented mandate logic before they walk out the door.
Migration
Move forward without losing the past
We migrate client, account and portfolio data and modernise core banking code with zero-loss precision — every mandate condition honoured, every collateral rule tested.
Insight
Turn legacy data into business intelligence
We structure historical holdings, transactions and mandate history as analytics your risk, compliance and relationship teams can actually use.
Has your data strategy become a business risk?
Technically correct is not enough.
The dangerous failures are often interpretations that were never made explicit enough for someone to challenge.
Knowledge Loss Risk
The people who can explain the book are leaving.
Relationship manager and platform-specialist memory can disappear before the programme has recovered what the estate actually does.
False Assurance Risk
Reconciliation can pass while the target still fails.
Matching balances does not prove that mandate history, entitlement logic, or Lombard collateral rules survived the migration.
Late-Decision Risk
A big-bang platform cutover hides the decision until late.
If evidence arrives only at go-live, the sponsor inherits complexity when the available choices are smallest.
Silent Translation Risk
Exceptions are part of the book.
Manual overrides, incomplete KYC fields and undocumented account structures need a decision, not silent translation.
Target Lock-In Risk
A target core banking platform can become the new blind spot.
Choosing Avaloq, Temenos or another platform before recovering intent lets the vendor's data model decide what the relationship meant.
Migration workbench — illustrative workflow
From a mixed estate to an
accountable decision.
01
Recover the evidence before it is gone
Mandate lineage, fee and collateral variants and affected account history are pulled from the COBOL, AS/400, DB2 and Avaloq mixed estate while the people who understand it are still reachable.
Technologies we modernise
Work across the estate without letting a product name define the problem.
A banking migration may need to interpret core platforms, legacy languages, databases, message standards and operational files together. The exact scope belongs to discovery.
Core banking platforms
- Avaloq
- Temenos
- Finnova
- Olympic (ERI)
- TCS BaNCS
Legacy languages & systems
- z/OS
- COBOL
- IMS
- PL/I
- Assembler
- IBM AS/400
- RPG
Data, records & standards
- VSAM
- DB2
- Adabas
- Oracle DB
- MSSQL
- Excel
- SWIFT
- ISO 20022
How we help
One estate. Several consequential decisions.
The right engagement shape follows the decision the bank needs to make, not a preselected technology sale.
A unified, auditable data foundation your systems can act on.
Legacy account, portfolio and mandate data extracted with full temporal history preserved, validated across the whole relationship lifetime.
Code Modernisation
Separate business intent from implementation history so the organisation can decide what to preserve, change or retire.
M&A Core Banking Consolidation
Create a common account of overlapping rules, data and histories before merging estates after an acquisition or platform decision.
Custom Code & Maintenance
Reduce dependence on opaque code and individual memory while the organisation prepares its next move.
WAYS THE WORK COULD OPERATE
Choose how much of the method you want to own.
The estate, access model and internal capability shape the operating relationship. The material decisions stay visible in every version.
Bring the estate. Keep one accountable path through the work.
A working model for organisations that want Qubiz to carry the migration activity while business and engineering owners retain material decisions.
Talk to an Expert
Speak with someone who has sat across from a relationship manager.
Every banking engagement starts with the mandate history, the relationship-manager workflow, and the platform decision — not the technology stack. No discovery decks, just an honest conversation.
Book a scoping call
25+ years across IT domains. Lead Architect at Zurich Insurance, Helvetia, Swiss Re, Munich Re, Helsana.
FAQ
Questions worth asking before the programme starts.
What kinds of problems can Qubiz take on in banking?
Bring software that's hard to change, data that can't support a decision, or a release whose evidence isn't strong enough.
Do we need a legacy core banking system for this to apply?
No. A platform decision or post-merger complexity is enough on its own — the same discovery and validation approach applies whether or not a legacy core is involved.
Where does AI fit?
It accelerates reading and drafting. Release decisions stay with accountable people — engineers and business owners remain responsible for material interpretations and acceptance.