Replacing a loan origination system without a freeze on lending
A regional bank was running originations on a fifteen-year-old application that only two people understood. Three previous replacement attempts had stalled because each required a full cutover the business could not absorb.
We put an API gateway in front of the legacy system and migrated one product line at a time — consumer, then auto, then commercial — running old and new in parallel with automated reconciliation on every application. The last legacy route was retired in month eight.