What Infosys / HCL / Wipro gets wrong in Financial Services
Core banking modernization is the project where the offshore staff augmentation model fails most expensively. The engineers who can safely migrate a core banking system — understanding transaction integrity, reconciliation logic, the operational constraints of 24/7 uptime — are senior engineers who make architectural decisions. Infosys, HCL, and Wipro's model deploys those engineers at the top of an offshore delivery pyramid, where their judgment is filtered through multiple layers of specification and implementation before it reaches the codebase.
BSA/AML transaction monitoring systems have data access constraints that offshore delivery complicates directly. Financial intelligence data that triggers SAR filings is regulated under BSA in ways that create legal questions about offshore access to that data. Managing those constraints requires specific data architecture controls — controls that are most easily satisfied by keeping the engineering onshore.
The time zone latency of offshore delivery creates specific operational risk in banking technology. A reconciliation error discovered at 11 PM EST requires an engineer who can diagnose and resolve it in the same shift. An offshore team in a 10-hour time zone difference delivers a response the next morning — after the reconciliation exception has propagated through the day's processing.
What we deploy instead
Our banking technology teams deploy with core banking migration experience, BSA/AML architecture expertise, and the operational availability that banking systems require. US-based engineers. Fixed-price engagements. Working systems at each milestone.
First milestone: a functional integration with your core banking system in a sandbox environment. Full engagement commitment follows a working demonstration — not a project plan.
SOC 2 and PCI DSS built into the architecture from day one — enforced automatically by ALICE at every commit.
Fixed-price engagements. Production system in 8-20 weeks. No discovery phase. No change orders.
Domain-qualified engineers with financial services experience. The senior engineer who scopes the engagement is the senior engineer who delivers it.
Full source code and documentation transferred at close. No licensing. No managed services dependency.
The compliance difference
BSA/AML, GLBA, PCI DSS, SOC 2. Banking compliance requires onshore engineers with BSA data access controls built into the architecture from the first data model.
What switching from Infosys / HCL / Wipro looks like
Banking technology engagement: 16-24 weeks for a core modernization. Team: 12-20 engineers. Fixed price. Full IP transfer.
Architecture review and scope definition. We review existing deliverables and identify gaps.
Scope locked, team assembled, first sprint underway. Working code from week two.
First production milestone — a working integration or system component, not a document.
Full IP transfer. Source code, documentation, operational runbooks. Your team runs the system.
Failed Vendor Recovery Playbook
Step-by-step framework for recovering from a failed Infosys / HCL / Wipro engagement — from emergency stabilisation through full re-platforming. 4-phase playbook covering stabilise, assess, transition, and normalise.