Surround, Shrink, Scale: The Legacy Exit Strategy for Payment Modernization

Discover a trusted, proven, and low-risk strategy for exiting legacy Fedwire & ACH processing

Banks are weighed down by rigid payment architecture and mounting technical debt. In North America and Europe, 75% of IT budgets are spent just to maintain outdated systems, leaving little room for innovation.By 2028, banks will pour $57 billion into aging payment systems, with costs rising 7.8% annually.The reality? System outages, lost revenue, and shrinking competitive edge. No wonder 84% of banking leaders are looking to move away from legacy ACH and Fedwire systems. But how can banks modernize without disrupting operations and with low risk?Discover the “Surround and Shrink” approach — your path to strategic payment modernization.

Why piecemeal upgrades fail
The shift to unified payment orchestration
A low-risk, modular approach to migration
An executive roadmap to future-proof payments

Don’t fall behind. Get the executive roadmap now.

Most large and regional banks don’t know that there’s actually a low-risk, proven approach to ACH and Fedwire modernization. That’s where the ‘Surround and Shrink’ approach comes in. It’s a strategy that allows banks to stand up a parallel processing platform, running modern systems alongside their existing ones. Over time, they can phase out legacy tech and reduce technical debt without the big-bang risk of a complete system overhaul. This approach is already working—it’s modular, it’s practical, and it helps banks transition at their own pace. This paper dives into that strategy and gives executives a roadmap for modernizing in a way that’s both scalable and sustainable.