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Why Change?

There are the big four and the rest of us smaller core providers. There are certainly pros and cons to doing business with both to be considered. It’s much like banking with a community bank verses a mega bank. 

Mike Cronin, CEO, MBS

Modern Banking Systems (MBS) is a leading provider of core bank processing solutions. We know the daily challenges and regulations facing community banks. We believe that banks need to have the right services and technology in place if they want to retain customers and to compete in today’s marketplace. Technology can truly transform a banks efficiency and ability to compete. The bank’s customers and workforce will benefit from the right data processing core, services, and support.

Change can be scary. Is it worth the risk?

Community bank customers have changed. They demand accessibility and control over their finances, so banks must change or risk losing customers. At the same time, banks must comply with new regulations, controlling costs, and preventing fraud. Our goal at MBS is to provide community banks with solutions, through partnerships, that will give them the tools needed to better serve their customers now and well into the future.

Are you an in-house bank or do youIf your bank wants to process data in-house or take advantage of all of the benefits of a service bureau (outsourcing), MBS offers flexible options and products that will match your bank’s obligations, function the way you operate, and incorporate the work flow you prefer.

Our account representatives will meet with you to determine where we can help you. Together your objectives and goals will be discussed to develop a real-time modern banking platform solution that will meet and exceed your goals. We’ll do this within your budget and we’ll be on-site to make sure the execution is flawless. We know that we can’t solve all of your technical problems, but we do know that we can solve your banking problems with technology.

Leveraging our knowledge of the financial industry, we’re able to create top-notch core processing solutions that incorporates more than just the latest technology. We have flexible and scalable solutions–-each with a powerful integration feature. We can help evaluate risk, enable regulatory compliance, and safeguard your reputation. We adapt as your needs change, with speed and efficiency that larger core providers just can’t match.

Essentia is our real-time modern banking core platform delivers profitability, efficiency, security, and the latest data processing technology. Essentia is continually progressing with customer-driven enhancements, regular introduction of new products and services, integration of new technologies, and strict regulatory compliance. We believe our customers have the best insight to what their customers want and need; therefore, we regularly gather input from our customer-based advisory board.  These community banker’s suggestions and ideas regarding future enhancements are highly valued. This win-win feedback process leads to functional innovations regularly incorporated into Essentia. Our core software and responsive service can strengthen your bank’s infrastructure, enabling you to deliver best-in-banking quality to your customers.

Maintaining a satisfied customer base is one of our highest priorities. This is achieved by giving our customers support services that are unrivalled. Our solid technology and financial background combined with the latest breakthroughs in performance-enhancing solutions allow us to offer our customers fast, efficient, and cost-effective solutions that help improve and grow their financial institutions. Whether your core data processing is hosted, outsourced, or in-house, we can enhance your bank’s image by promoting security and reliability to your customers and investors. Not to mention, quick response times by our technicians means less downtime for your bank and customers.


We know that our customers’ success is our success. We use customer-centered focus groups to identify and implement changes to our core. It’s important to understand what challenges and regulations our community bank’s face; what they need to make their jobs secure and more efficient; and what tools are necessary for a bank to understand and respond to their customers. Our goal is to know our banks so well that we can anticipate their changing needs and to proactively provide the right solutions. The better you know your customer, the better chance of success. Knowing your customer is key.

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