Innovation without compromise

Reduce time to market

Launch and adapt products faster with no‑code tools and modular, composable architecture

Customer‑centric experiences

Support tailored journeys across retail, SME and commercial banking

Reduce TCO & operational complexity

Automate processes and streamline workflows to cut costs

Open to innovation

Innovate with Open REST APIs and a flexible ecosystem that accelerates change

Rip and replace

A full core replacement maximizes agility, simplifies operations and unlocks new opportunities

Symbiosis

Modernize in phases to gain early benefits while reducing transformation cost and risk.

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Reimagine banking with Finastra's next‑gen core solutions

Finastra Essence

Next-gen core banking solution that uniquely combines rich, broad, and deep banking functionality with advanced technology.

Product Details

Finastra Essence Analytics

Turn raw banking data into actionable insights with real‑time dashboards, predictive models, and an AI‑ready analytics foundation.

Product Details
Customer stories

Hear from our customers

Customer story

Seizing new opportunities for expansion and innovation with Essence

Belize Bank

Our transformation required a core banking platform that allowed for local and global expansion. Essence provides such a platform.

Jose Cardona CIO, Belize Bank
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Innovative banking through functionality and advanced technology

Customer expectations move fast. Keep ahead of the competition with capabilities that enhance agility, simplify complexity, and accelerate innovation.

User experience focus

Deliver intuitive journeys across every channel.

Open and agile

Open REST APIs and modular design enhance long‑term agility.

Customer-centric

Hyper‑personalization lets you treat customers as individuals.

Integration and extension

Connect systems seamlessly and unlock actionable insights.

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Next‑gen core banking for established banks

See how Finastra Essence helps established banks boost agility, streamline operations, and accelerate innovation.

  • Agility at scale
  • Lower operational complexity
  • Safer modernization paths

Explore our capabilities.

Features

Resources to support your transformation journey

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Team collaborating around a laptop in a modern office environment, discussing digital strategy and AI-driven solutions.

The advantage of a symbiosis strategy

Learn how a phased, low‑risk modernization approach helps banks adopt next‑gen, agile core capabilities while reducing transformation cost, complexity, and operational disruption.

Operational excellence in a digital world

Explore how banks can strengthen resilience, automate compliance, eliminate manual processes, and deliver consistent, expert service across every interaction.

Solving banking’s toughest challenges

Discover practical modernization paths including progressive transformation, cloud‑ready architectures, AI‑enabled speed, and lessons learned from real‑world core upgrades across global banks.

Turning industry pain points into growth

See how established banks can turn competitive pressure, legacy constraints, fragmented data, and rising expectations into opportunities for growth, resilience, and customer‑centric transformation.

Helpful resources to improve

Apps to extend your core banking solution

Explore apps designed to complement Finastra Essence and extend core banking with payments, connectivity, data and innovation services.

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Universal Banking

Digital Channels - Verichannels

From VeriPark
VeriLoan is an end-to-end digital loan origination, servicing, and collection solution built on Dynamics 365, streamlining the entire loan process from pre-screening to disbursement. VeriTouch is a... See Details
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Universal Banking

Open Banking Compliance Solution

From Salt Edge
Salt Edge provides an Open Banking and PSD2 Compliance (Europe, UK, Australia, Brazil) solution covering all essential components required by regulators: Testing and Live environment for the TPPs for... See Details
01System Logo
Universal Banking

SigCap

From 01System
01 Systems is a premier provider of software solutions, catering to banks and financial institutions worldwide. With a legacy of 30 years marked by passion and innovation, our expertise lies in... See Details
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Universal Banking

Sumsub

From Sumsub
Sumsub offers a comprehensive verification platform that secures the entire user journey. Their customizable KYC/AML, KYB, transaction monitoring, and fraud prevention solutions help businesses... See Details

Frequently Asked Questions

Essence is Finastra’s next-generation core banking solution built on microservices and open APIs, delivering real-time processing and resilience to support deposits, lending and payments.

Financial institutions of all tiers, including digital challengers, fintechs & established banks of all sizes. Supports core modernization across retail, SME, commercial & Islamic banking worldwide.

Essence replaces legacy rigidity with a modular, API‑led, cloud‑ready design. Componentized services, embedded workflows, and event‑driven processing enable faster change, high STP, and strong resilience.

Essence delivers end‑to‑end core banking across deposits, lending, payments, accounts, limits, fees, and servicing. It supports retail and commercial banking, multicurrency processing, and open integration.

Essence enables innovation through open APIs, event publishing, modular services, and configurable products, allowing banks to launch faster, integrate fintechs easily, and innovate without core code changes.

Essence reduces operational complexity through automation, high STP, centralized configuration, and real‑time data. Its modern UI and component design improve efficiency and streamline day‑to‑day operations.

Your partner in next-gen banking

Discover how Finastra Essence helps you embrace next‑gen banking, boost agility, innovate faster, and deliver customer delight.

Our transformation required a core banking platform that allowed for local and global expansion. Essence provides such a platform.

Jose Cardona
CIO, Belize Bank