There is a pattern that plays out constantly across boardrooms in Nigeria, the Philippines, and Indonesia. Leadership sets ambitious growth targets. The marketing team gets a bigger budget. The product team gets a roadmap. And core banking infrastructure ends up as a line item further down the agenda.
That sequence is why most institutions miss their targets.
Most mid-size financial institutions in dynamic markets are running on systems built fifteen to twenty years ago, designed for branch banking, batch processing, and quarterly product releases. When the growth strategy requires real-time payments, instant loan decisions, and continuous product experimentation, those systems become the ceiling, not the floor. No amount of marketing spend compensates for that constraint.
In this piece published on Finextra, Oradian’s Rodney Trivangalo breaks down what hitting aggressive user growth targets in 2026 actually requires, and why every requirement traces back to your core banking platform.
