UK Bank Achieves £10M+ Cost Avoidance and 40% Technology Obsolescence Reduction through Mortgage Platform Consolidation with Coforge
Overview.
A UK-based subsidiary of a leading European bank was running its mortgage business on outdated legacy systems, posing compliance and operational risks. It wanted a strategic partner to modernize and consolidate its mortgage estate, integrate historical data, and enable secure access to legacy records — and approached Coforge to lead the transformation.
Systems lacked compliance from a security standpoint
Legacy assets were vulnerable and technically obsolete, making upgrades unfeasible
Scarcity of skilled support for legacy systems
Insufficient application and infrastructure resiliency
Fragmented customer data across multiple platforms
High risk of audit gaps and delays in data retrieval
Solution.
Coforge implemented a comprehensive, multi-phase modernization strategy to transform the bank’s mortgage technology landscape.
Core Platform Modernization: Migrated the bank’s core mortgage engine from mainframe (DB1 on VSAM) to a cloud-native Oracle and Linux-based infrastructure, enhanced with microservices for scalability and mobile readiness, executed in three phases—Technical Proving & Planning, Dual Run & Certification, and Full Migration & Cutover.
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Legacy Data Repatriation: Built a custom ETL solution to repatriate data from third-party mortgage systems into the bank’s in-house SQL Server, transforming flat files into normalized native tables for structured, consistent access.
Secure Historical Access: Delivered a new application with Azure AD-based Single Sign-On (SSO), enabling secure, efficient access to historical mortgage records for audit, customer service, and regulatory teams.
The Impact.
£10M+ Cost Avoidance by eliminating long-term system contracts
1,000+ Tables Migrated from DB1/VSAM to Oracle on Linux
~1,500 Components Delivered , including batches, jobs, dashboards, schedules, MQs, and microservices
Dual-Run Execution Enabled Early Issue Detection , ensuring a smooth transition
Simplified Audit Controls and improved operational efficiency through system unification
This strategic initiative has not only de-risked the client’s technology landscape but also positioned them to deliver faster, more reliable mortgage services with a modern, secure, and scalable platform.
