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Technology change in environments where failure is expensive.

Banks, insurers and financial infrastructure providers operate under constraints most technology advice ignores. Our specialists have worked inside them.

Why sector experience matters

Seven constraints that change how technology work has to be done.

None of these is unique to financial services. What is unusual is carrying all seven at once, on systems customers and other institutions depend on every minute of the day.

01

Complexity

Estates built over decades, where the documentation describes the design rather than the system.

02

Regulation

Change is scrutinised by supervisors as well as by the business, and the evidence matters as much as the outcome.

03

Legacy integration

New platforms have to coexist with the systems they are replacing — often for longer than planned.

04

Operational risk

A failed change is an incident, a customer-harm event and potentially a regulatory notification.

05

Availability

Payment, trading and customer channels have tolerance for disruption measured in minutes, not days.

06

Change governance

CABs, risk sign-off and release controls exist for good reasons, and delivery has to work with them.

07

Stakeholders

Business, technology, risk, operations, vendors and the regulator — each with a legitimate veto.

01

Banking

Retail and corporate banking estates where core platforms, payment rails and customer channels are tightly coupled, change windows are narrow and customer-facing availability is visible immediately.

  • Core banking platforms
  • Payments and channel estates
  • Infrastructure and data-centre change
02

Insurance

Life and general insurers running long-lived policy administration and claims platforms, with prudential reporting obligations and decades of product rules embedded in the systems.

  • Policy administration
  • Claims platforms
  • Prudential and regulatory reporting
03

Financial infrastructure

Payment services, pensions administration and asset management platforms — the systems other institutions depend on, where an outage propagates beyond the firm that suffers it.

  • Payment processing
  • Pension scheme administration
  • Portfolio, custody and reporting
04

Regulatory technology

Obligations that arrive as engineering work: operational resilience, ICT risk, outsourcing and third-party oversight, and the evidence a supervisor expects to see behind each control.

  • Operational resilience (DORA)
  • ICT risk and third-party oversight
  • Control evidence and remediation

Conjora does not provide legal or regulatory advice. We do the technology and delivery work that regulatory obligations create, alongside your risk and compliance functions. See operational resilience.

Case studies describe work led by Conjora specialists, including in roles held before or alongside Conjora. They are not presented as the delivery record of Conjora Limited. Clients are not named, and details that could identify them have been removed.

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