Direct Transact functions in an environment where technological capability correlates directly with profitability. They needed to futureproof their core banking system by re- engineering it to be more cost-effective and agile. Additionally their business model is multi-tenanted however their infrastructure was designed for single tenancy. This created significant investment costs, in terms of time and hardware, for the addition of every new client.
While they were committed to modernisation, Direct Transact maintained a mature legacy system and, therefore, their internal capacity was tuned to the management and maintenance of such systems, rather than to developing a modern cloud-based architecture.