Delivering mission-critical modernization at scale
Core banking transformation has long been regarded as one of the most complex and high-stakes programs in financial services. At the multi-trillion asset level, execution challenges intensify: risk, cost, and complexity often derail timelines.
In 2025, three leading Chinese banks — collectively managing more than CNY 5 trillion in assets — successfully went live on Sunline’s next-generation, cloud-native core banking platform. The programs were executed on schedule, with zero disruption to critical banking operations. This milestone underscores Sunline’s capability to deliver mission-critical modernization at industrial scale, setting a new benchmark for the industry.
With a demonstrable track record — including an 80% success rate in bids for large and medium-sized banks, an 85% market share among banks with assets above CNY 500 billion, and a 100% on-time delivery record — Sunline has reinforced its position as a market leader in financial core modernization.
Four Strategic Differentiators Driving Success
The successful delivery of three large-scale core modernization programs was not the result of technology alone, but of a carefully designed operating model that integrates advanced architecture, disciplined execution, and deep domain expertise. Sunline’s approach is underpinned by four strategic differentiators that consistently enable financial institutions to achieve transformation objectives with speed, resilience, and confidence.
1. Composable, Cloud-Native Architecture
A microservices-based, API-first framework designed for elastic scalability, seamless interoperability, and accelerated digital transformation.
2. Accelerated Product Innovation
A parameterized and rules-driven product factory, enabling banks to launch differentiated offerings rapidly, reduce time-to-market, and enhance customer centricity.
3. AI-Enabled Delivery Methodology
A proven, industrialized implementation approach enhanced by AI-driven automation across design, testing, and deployment, minimizing risk and ensuring predictable outcomes.
4. End-to-End Resilience and Sovereignty
Full-stack controllability — from databases to applications — aligned with regulatory and security requirements, ensuring compliance, operational resilience, and long-term sustainability.
Implications for Global Financial Institutions
The successful delivery of these large-scale programs demonstrates:
• Modernization at scale is achievable — even for Tier-1 institutions managing multi-trillion portfolios.
• Execution certainty is attainable — risk-mitigated migration methodologies ensure programs are delivered on time and within budget.
• Future-ready foundations are proven in production — cloud-native, composable platforms are no longer aspirational but operational realities.
With more than 20 years of financial technology specialization, close to 100 successful core transformations, and a global talent base of 3,000 digital finance professionals, Sunline offers institutions worldwide a proven partner for delivering secure, scalable, and future-ready core modernization.
The Path Forward
As global banks accelerate efforts to replace aging legacy cores under increasing regulatory, operational, and competitive pressures, Sunline’s delivery record provides a critical proof point: core banking modernization can be executed securely, efficiently, and at scale.
Sunline remains committed to partnering with financial institutions worldwide to deliver the next generation of resilient, cloud-native, and customer-centric banking platforms that will shape the future of financial services.
