How does Pragma modernize banking without replacing the core system?

Pragma uses an incremental modernization approach — adding AI, cloud, and automation layers on top of existing core banking infrastructure. This avoids the cost and risk of big-bang platform replacements while delivering measurable outcomes faster. Most engagements deliver initial results within 90 days.

What banking technology services does Pragma offer?

Pragma offers AI-powered decision intelligence, cloud migration and modernization, API integration for open banking, digital channel development, process automation, and the MOSS mortgage origination platform. All services are designed for US banks, credit unions, and independent mortgage lenders.

Does Pragma work with community banks in the United States?

Yes. Pragma specializes in helping US community banks and credit unions modernize their technology stack. We have supported digital transformation for 200+ financial institutions across the US, including a Florida-based lender that achieved 200% ROI in 12 months through our MOSS platform.

What is the difference between Pragma and a large consulting firm like Accenture or Deloitte?

Pragma offers the domain expertise of a specialized banking technology partner at a fraction of the cost and timeline of a Big 4 consultant. We commit to measurable business outcomes — not billable hours — and our engagements start with a 5-day assessment rather than a multi-month discovery phase.

Is Pragma an AWS partner?

Yes. Pragma is an AWS Gen AI Competency Partner, one of a small number of firms globally to hold this designation. This means our AI and cloud solutions for banking have been validated by Amazon Web Services for technical excellence and business impact.

How does Pragma modernize community banks without replacing the core system?

Pragma uses an incremental approach — adding AI, cloud, and automation layers on top of existing core banking infrastructure. This avoids the cost and risk of big-bang replacements while delivering measurable outcomes. Most clients see initial results within 90 days.

What is the cost of a banking modernization engagement with Pragma?

Pragma starts every engagement with a 5-day modernization assessment. Monthly dedicated team engagements start at approximately $40,000/month, significantly lower than Big 4 consulting rates, with pricing scaled to the institution's asset size and project scope.

Does Pragma work with credit unions as well as community banks?

Yes. Pragma serves both community banks and credit unions across the US. We have specific engagement models for credit unions focused on digital channel modernization, AI-driven member services, and loan automation.

Is Pragma an AWS partner for banking?

Yes. Pragma is an AWS Gen AI Competency Partner — one of the few firms in the Americas with this designation. Our cloud solutions for banking have been validated by AWS for technical excellence and business impact in financial services.

Banking modernization partner for US financial institutions

Ready to Transform Your Bank?

We’re helping banks transform their mortgage operations with MOSS, our modular Mortgage Origination Software Solution. Designed to simplify and modernize the lending journey from application to close, MOSS empowers institutions to deliver faster decisions, cleaner files, and better borrower experiences, all without disrupting core systems.

End-to-end digital workflows for borrowers, brokers, and lending teams
Role-based workbenches and self-service portals
Seamless integration with LOS, CRM, and core banking platforms
Proven results: 200% ROI in 12 months

Nequi, a reliable financial platform thanks to Pragma

SoyYo, using technology to manage digital identity and improve security

We're good company

We are proud to be that company that provides support and closeness. We strive to be present when you need it most, creating an environment of trust and empathy that makes every moment shared make a difference.

Customer lifecycle

At Pragma, we have asymmetrical teams that leverage diverse skills and perspectives to solve complex challenges. Our strength lies in effective collaboration, where each member contributes their unique experience to achieve innovative and effective solutions.

Team

NPS

We measure our customers satisfaction through the Net Promoter Score (NPS), which allows us to listen to their opinions and continually improve. This indicator reflects our commitment to offering exceptional experiences and building relationships of trust.

What is Banking Technology Outsourcing?

Pragma’s outsourcing services provide specialized teams with deep expertise in core banking systems, Open Finance, AI-driven analytics, and regulatory compliance.

Unlock innovation in banking with expert outsourcing

Frequently asked questions — banking modernizatio

Most clients see initial measurable results within 90 days. We start with a 5-day assessment that identifies the highest-impact opportunity in your current stack, then deploy iteratively. You do not wait 18 months for your first outcome.

Yes. Community banks and credit unions are our core market in the US. We have engagement models designed specifically for institutions that need enterprise-level modernization at community-bank budgets.

We offer 24/7 CloudOps availability to address technical incidents, diagnose problems, resolve interruptions, and repair services promptly.

Yes. We integrate with major core systems including Fiserv, FIS, Jack Henry, and others. Our approach does not require replacing your core — it adds capability on top of what already works.

The assessment maps your current technology stack, identifies the three highest-ROI modernization opportunities, quantifies the expected business impact of each, and delivers a 90-day execution roadmap. Zero obligation after the assessment.

Banking modernization partner for US financial institutions

Mortgage Origination, Reimagined

Banking Succes Stories

Nequi, a reliable financial platform thanks to Pragma

SoyYo, using technology to manage digital identity and improve security

Pragma´s commitment to the long-term

succes of its clients

We're good company

Customer lifecycle

Team

NPS

What is Banking Technology Outsourcing?

Powering Banking Solutions with Top tech Partners

Frequently asked questions — banking modernizatio

Newsroom

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Flutter in Banks and Fintech Companies: The Key to Omnichannel Experiences

Data Architecture for Banking: A Guide to Success

Accelerate your bank’s innovation journey with Pragma’s tailored digital solutions!