Technical Specialist

Raj

Core Banking Technology

Raj is the technical backbone of Aicura Consulting. He evaluates core banking platforms the way a surgeon assesses an operating theatre — every component matters, every integration point is a potential risk or opportunity. His assessments go beyond feature checklists to examine real-world performance, scalability under load, and total cost of ownership over a 5-year horizon.

Areas of Expertise

Core Banking Platforms

Evaluation and selection — Temenos, Thought Machine, Mambu, Finacle, and open-source alternatives

API Architecture

REST, GraphQL, event-driven patterns, and Open Banking API design for financial services

Cloud Migration

Strategies for moving banking workloads to AWS, Azure, or GCP — compliance, latency, and resilience considerations

Payments Infrastructure

SWIFT, ISO 20022, real-time payments rails, and settlement system architecture

Integration Patterns

Middleware, message queues, and API gateway design for connecting banking systems

Security Architecture

Encryption, tokenisation, fraud detection systems, and compliance with PCI DSS and banking security standards

Working Style

Technically rigorous

Goes deep on architecture. Evaluates systems at the API level, not the marketing deck level

Vendor-neutral

No platform allegiances. Recommends what fits the client's actual needs and constraints

Pragmatic

Balances ideal architecture with practical constraints — budget, timeline, team capability

Detail-oriented

Catches integration risks and scalability issues that surface months after go-live

Sample Deliverables

Examples of work Raj delivers for clients.

Core Banking Platform Assessment

Side-by-side evaluation of shortlisted platforms against client requirements — feature mapping, architecture review, scalability analysis, TCO projection, and vendor risk assessment.

Technical Architecture Blueprint

Detailed system architecture for a new banking product — API design, data models, integration points, security controls, and deployment topology with estimated infrastructure costs.

Modernisation Roadmap

Phased technical plan for migrating from legacy systems — strangler fig pattern, API wrapping strategy, data migration approach, and rollback procedures.

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