Transforming Banking Systems
Empowering Financial Institutions to Lead.
T23 is your independent partner for technology-enabled transformation — delivering core banking, digital, and innovation programs that create lasting competitive advantage.
Explore Our Services
Who We Are
T23 is an independent management consulting firm specializing in technology-enabled transformation programs. Headquartered in Puerto Rico, with offices in Trinidad & Tobago, the Dominican Republic, and Miami — we support banks and financial institutions across Latin America, the Caribbean, Europe, and Asia. Our advice is always in your best interest — never driven by vendor relationships or platform incentives.
4
Continents
delivering transformation programs

30+
Implementations
core banking and digital programs delivered
$20B+
Portfolios
managed by our client institutions
Business Process Modeling
BPM design and reengineering to streamline operations and drive measurable efficiency gains.
Productivity & Efficiency Analysis
Data-driven assessment of workflows, staffing, and technology to identify and capture value.
Core System Selection
Vendor-agnostic evaluation and selection of core banking platforms tailored to your institution.
Post-Implementation Support
Knowledge transfer, stabilization, and ongoing advisory to protect your investment long after go-live.
What We Do
We help financial institutions modernize, digitize, and scale through hands-on advisory and implementation services. Our team works across the full lifecycle of transformation—from strategy definition through go-live and post-implementation support. Every engagement is designed to deliver lasting value, not just a successful launch.
Core Banking Implementation
Vendor selection, system design, configuration, data migration, and go-live support—end to end.
Digital Transformation
Omnichannel experiences, Customer 360, digital onboarding, and engagement tools that delight clients.
Process Reengineering & Change Management
Streamlining operations, increasing efficiency, and enabling automation across front and back office.
Compliance, Risk & Security Advisory
Aligning programs with OCIF, ECCB, FATF, and local regulatory frameworks from day one.
Project Governance & PMO Services
Delivering transformation programs with rigorous structure, clear accountability, and full transparency.
Cloud & API Strategy Support
Supporting composable banking, integration layers, and modern architecture for future-ready institutions.
Our Delivery Philosophy
At T23, our philosophy is simple: your success is our mission. As a fully independent advisor, every recommendation we make is grounded in your strategic objectives—never influenced by vendor incentives or platform bias. We build lasting partnerships by delivering with integrity, agility, and a forward-looking mindset.
Strategy-Led. Client-First.
As an independent advisor, T23 is fully aligned with our clients' interests. We tailor every engagement to meet your strategic goals—delivering recommendations that serve your institution, not our partnerships.
Purposefully Agile, Future-Ready & Built to Scale
We design solutions that move fast, remain flexible to change, and scale without sacrificing compliance or long-term viability. Speed and stability are not trade-offs—they are expectations.
Progressive and Innovation-Focused
Whether it's composable architecture, open banking, or AI readiness—we help you stay ahead of the curve and prepare your institution for what comes next in financial services.
Trusted Partner, Global Perspective
With regional and international delivery experience across Latin America, the Caribbean, Europe, and Asia, T23 brings a practical, culturally informed approach to every transformation engagement.
Some of Our Clients
T23 has earned the trust of leading banks, cooperatives, credit unions, fintechs, and financial institutions across four continents. Our client portfolio spans from major commercial banks managing multi-billion dollar portfolios to innovative digital-first startups redefining financial services.
Puerto Rico
  • Banco Popular de Puerto Rico
  • FirstBank Puerto Rico
  • Oriental Bank
  • Banco Santander Puerto Rico
  • Caribe Federal Credit Union
  • Puerto Rico Federal Credit Union
  • Zenus Bank
  • Stern Bank
  • Cooperativa A/C Arecibo
  • Cooperativa Gurabo, Coamo, San Jose, Juana Diaz, Vega Alta
  • Banco Municipal Ponce
  • EDUCOOP
Dominican Republic & Caribbean
  • Banco Popular Dominicano (BPD)
  • Banco Vimenca
  • Banco ADEMI
  • Banco Multiple Activo
  • Asociación Cibao de A/P
  • Asociación A/P La Vega
  • Asociación Mocana & Bonao de A/P
  • Jewel Bank, Bermuda
  • St. Kitts & Nevis Development Bank
  • Capital Markets Elite Group (CMEG), T&T
Latin America & North America
  • GlobalBank, Panamá
  • COOPAEP, Panamá
  • PrestaYaap, Panamá
  • Fectivo, Panamá
  • GirApp, Chile/Venezuela
  • TuCash, Argentina
  • Flexiti Financial, Canada
  • JIC Bank, Miami USA
  • Euro Exchange Bank, PR/US/Europe
  • Standard International Bank (SIB)
Europe, Asia & Global
  • Peimento, Spain
  • Luroo, Spain
  • Solomon Bank LLC / Mercantile International Group, Hong Kong
  • Standard International Bank (SIB)
Some of Our Partners
T23 maintains strategic alliances with the world's leading core banking, digital channels, and financial technology providers. Our vendor-agnostic approach means we work across the full ecosystem—selecting the right partner for each client's unique needs, not the one that benefits us.
Core Banking
Digital Channels
Ecosystem & Compliance
Solutions We Work With
T23's technology-agnostic approach means we are fluent across the broadest spectrum of financial technology platforms. Whether you are evaluating a new core banking system, modernizing digital channels, or building out your compliance infrastructure, we have deep hands-on experience with the leading solutions in each domain.
Core Banking
  • Finastra — Ultradata, Fusion Phoenix, Essence
  • Mambu
  • QBS by Knowtech
  • Temenos
  • Technisys
  • Galileo
  • Olympic by ERI
  • Jack Henry
Digital Channels
  • Veritran
  • Backbase
  • Cyberbank by Technisys
  • Ebankit
  • MeridianLink
  • Cyber-QBS
  • AddACCION
  • Plumery
  • Infocorp
Ecosystem Solutions
  • Compliance & Risk: Global Radar, Risk Rator, Sumsub
  • Accounting: Dynamics 365, Accountify
  • Cards & Payments: PayBLR, I2C, Instant Issuance
  • Content Management: DocuWare, OnBase
Our Process
T23's delivery process is built on decades of real-world experience implementing complex transformation programs in regulated financial environments. We bring structured discipline to every phase—from discovery through stabilization—ensuring that every milestone is met, every risk is managed, and every team member is empowered to succeed.
Our process is iterative and transparent. We align each phase to measurable outcomes and governance checkpoints, ensuring institutional leadership has full visibility and control throughout the journey. No surprises—just results.
Project Experience
T23 has successfully delivered over 30 core banking and digital transformation implementations across the Caribbean, Latin America, and North America. Our clients range from digital-first fintech startups to established banks and credit unions managing portfolios exceeding USD $20 billion. Each engagement builds on the last, deepening our institutional knowledge and delivery capability.
Jewel Bank, Bermuda
Digital asset banking infrastructure built on Mambu—connecting custody, wallets, and transactions to a modern core platform.

Caribe Federal Credit Union, PR
Full Finastra core banking replacement, delivering a modernized, compliant platform for one of Puerto Rico's leading credit unions.

FirstBank Puerto Rico
Digital Banking and CRM transformation with Infocorp plus Instant Issuance, elevating the client experience across digital channels.
VBT, Cayman Islands
Olympic Core deployment for banking and trustee services, supporting complex wealth management and fiduciary operations.

Oriental Bank, PR
Instant Issuance for Debit & Credit with Push Provisioning to Apple Pay and Google Pay—accelerating card delivery and digital wallet adoption.
Banco Popular PR
Instant Issuance and full EMV deployment, modernizing the card issuance infrastructure for the largest bank in Puerto Rico.
Our Project Approach
Our Project Approach
T23 applies a hybrid delivery model that combines the structured discipline of Waterfall with the adaptability of Agile. This proven methodology ensures fixed milestones, strong governance, and traceable progress—while allowing the flexibility to respond to evolving priorities and real-time user feedback. The result is a transformation program that is both predictable and responsive.
Exceed Industry Standards

Enable your institution to lead through compliance, innovation, and the deployment of future-ready, best-practice-aligned technology. We benchmark every engagement against international standards so your institution is always ahead of regulatory expectations.
Build a High-Performance Digital Ecosystem

Seamlessly integrate core, digital, and back-office systems to drive operational efficiency, client satisfaction, and long-term scalability. Our integration-first approach ensures every system speaks the same language—eliminating silos and accelerating value delivery across your entire organization.
Innovation: Strategy, Pillars, Roadmap & Digital Assets
T23 helps financial institutions move from innovation aspiration to execution reality. We design and deliver structured innovation programs—from capability assessments and technology roadmaps to vendor selection and live deployment—anchored in your regulatory environment and growth strategy.
Composable Architecture
We design modular, API-first architectures that decouple core banking from digital channels—enabling institutions to swap, add, or upgrade components without full system replacements.
AI & Data-Driven Decisioning
From credit scoring and fraud detection to AML monitoring and customer segmentation, we guide the selection, integration, and governance of AI tools that deliver measurable risk and revenue impact.
Open Banking & Ecosystem Strategy
We help institutions define open banking strategies, build API marketplaces, and establish fintech partnership frameworks—positioning your bank as a platform, not just a product.
Regulatory-Aligned Innovation
Every innovation initiative is scoped and governed against OCIF, ECCB, FATF, and applicable local frameworks—ensuring your institution innovates confidently without regulatory exposure.
Strategic Innovation Roadmap
1
Discovery & Innovation Assessment
Structured evaluation of your current technology stack, data maturity, team capabilities, and competitive gaps—producing a prioritized opportunity map.
2
Strategy Definition & Roadmap Design
Co-creation of a 12–36 month innovation roadmap with your executive team, aligned to budget cycles, regulatory timelines, and strategic priorities.
3
Vendor & Technology Selection
Rigorous RFP design, vendor scoring, and proof-of-concept facilitation—ensuring the right technology fit for your institution's size, market, and ambitions.
4
Pilot, Implementation & Continuous Innovation
Structured pilot delivery with defined success metrics, followed by phased rollout and a continuous improvement cycle to sustain innovation momentum.

Digital Assets: T23 has hands-on delivery experience building digital asset banking infrastructure for Jewel Bank (Bermuda) on Mambu—integrating crypto custody, wallets, and transaction rails into a regulated core banking environment. We guide institutions through regulatory positioning (FinCEN, FATF, local central bank requirements), technology selection (Fireblocks, Zero Hash, Bakkt), and full integration design.
AI & Agentic Banking
Powered by T23
AI & Agentic Banking: Powered by T23
T23 guides banks and credit unions through the full AI adoption journey—from readiness assessment and strategy design through implementation and governance. Every step is grounded in regulatory compliance and measurable business value. We don't just advise on AI; we use it natively in our own delivery model to accelerate outcomes for our clients.

Helping Financial Institutions Adopt AI
  • AI Readiness Assessment — Evaluate data maturity, infrastructure, and workforce readiness.
  • AI Strategy & Roadmap Design — Prioritize high-impact use cases: credit scoring, fraud detection, AML, and customer service automation.
  • Responsible AI Governance — Explainability, bias control, and regulatory alignment (OCIF, FATF, ECCB) built in from day one.
  • Change Management & Enablement — Preparing teams for AI-augmented workflows and building lasting internal capability.

Our Agentic AI Development Model
T23 uses Agentic AI natively throughout our consulting and delivery process. AI agents autonomously execute research, analysis, and configuration tasks—accelerating delivery and reducing human error at every stage.
  • AI-Native Delivery — Agentic AI embedded across requirements, process design, documentation, and QA.
  • AI Embedded in Core Banking — AI capabilities integrated into Mambu, Finastra, Temenos, and Technisys via API and workflow automation layers.
  • Intelligent Automation — Loan origination, onboarding, compliance, and reporting enhanced by agentic workflows that act, decide, and escalate autonomously.
  • Faster Time-to-Value — From AI concept to live features in weeks, not months.
Crypto Services for Core Banking
T23 helps banks integrate crypto-native capabilities into their existing core banking platforms—enabling institutions to offer compelling digital asset services while maintaining full regulatory compliance and operational integrity. As digital assets move from emerging trend to institutional reality, banks that act now will define the next generation of financial services.
Digital Asset Wallets & Custody
Secure custodial and non-custodial wallet infrastructure embedded directly in your banking application.
Crypto Buy / Sell / Convert
Fiat-to-crypto and crypto-to-crypto trading capabilities integrated into the core account experience.
Stablecoin & Tokenized Deposits
Enable stablecoin issuance, payments, and tokenized deposit programs aligned with central bank guidance.
Blockchain Payments & Remittances
Cross-border payment rails leveraging blockchain for speed, transparency, and significantly reduced cost.
Crypto Compliance & AML/KYC
On-chain transaction monitoring, travel rule compliance, and digital asset risk scoring integrated with your BSA/AML framework.
Core Banking API Integration
Vendor-agnostic middleware connecting crypto platforms (Fireblocks, Zero Hash, Bakkt, etc.) to your existing core system.
Our Services
A Full-Spectrum Advisory Model
From the first strategic conversation to long after go-live, T23 is with you at every stage of your transformation journey. Our service model is designed to meet financial institutions where they are—whether embarking on a first digital transformation, replacing a legacy core, or scaling into new markets and asset classes.
Our services are designed to work together seamlessly—reinforcing each other across every phase of transformation. Whether you need end-to-end program delivery or targeted advisory in a specific domain, T23 scales to meet your needs.
Ecosystems
The Modern Banking Ecosystem
Today's leading banks and credit unions are building interconnected ecosystems of best-in-class platforms—connecting core banking, digital channels, compliance, payments, crypto, and AI into a unified, composable architecture.
Connected by Design
Every component—core, digital, compliance, and payments—integrated into a single, composable architecture.
Built to Adapt
T23 brings the integration expertise and vendor relationships to ensure your ecosystem evolves as the technology landscape shifts.
Governed with Confidence
Regulatory knowledge embedded at every layer—so your institution can move fast without compromising compliance.
T23 designs and delivers these ecosystems end to end.
Why a New Ecosystem Matters
The competitive dynamics of financial services have fundamentally shifted. FinTechs and BigTechs are no longer just technology companies—they are financial services providers actively capturing market share by leveraging technological agility and digital capability to deliver superior customer experiences at lower cost. Banks and credit unions that do not evolve risk losing relevance with the very customers they have served for generations.
73%
Digital-First
banking customers prefer digital-first experiences
2x
Faster Growth
for banks with modern ecosystems
60%
New Products
now come from FinTechs
Capture New Market Value
A technology ecosystem enables institutions to develop and bundle services beyond traditional banking—creating new revenue streams and deeper customer relationships that legacy competitors cannot match.
Compete with FinTechs & BigTechs
FinTechs and BigTechs are making aggressive inroads into the banking space, proposing more valuable customer experiences at a cheaper price. Building a modern ecosystem is the path to competing—and winning—in this new landscape.
Serve the Next Generation of Customers
New customers are taking up internet banking, using mobile applications, and relying on digital channels for complex transactions including loan applications and investments. Meeting them where they are requires a modern, integrated ecosystem built for digital-first engagement.
Ecosystem Architecture: Key Domains
T23's ecosystem framework spans every critical layer of a modern financial institution—from customer-facing digital channels through to core processing, compliance, payments, and emerging asset classes. Each domain is designed to integrate seamlessly, enabling a composable, future-ready banking architecture.
Credit Decisioning
Automated, AI-powered credit scoring and decisioning platforms integrated directly into the origination workflow.
Customer Onboarding & KYC
Digital-first onboarding with identity verification, KYC, and AML screening built for speed and compliance.
Card Issuance
Instant issuance, EMV, virtual card, and push provisioning to Apple Pay and Google Pay.
Payments Infrastructure
Real-time and cross-border payment rails supporting domestic, regional, and international transactions.
Core Banking System
The foundational processing layer—integrated with all ecosystem components for real-time data and seamless operations.
Accounting System
General ledger and financial reporting systems (Dynamics 365, Accountify) connected to the core for automated reconciliation.
Crypto / Stablecoin
Digital asset custody, wallet infrastructure, stablecoin issuance, and CBDC readiness integrated into the core.
Integration Layer
Middleware and API management connecting all components—enabling composable architecture and rapid capability addition.
Compliance & Fraud
End-to-end transaction monitoring, fraud scoring, AML/BSA compliance, and regulatory reporting across every domain.
Our Products
Matera: Next-Gen Banking Capabilities
T23 partners with Matera to bring financial institutions a powerful Digital Twin solution, enhancing existing core systems with real-time banking and instant payment features. Matera's proven technology extends your infrastructure without disruptive rip-and-replace projects.
Real-Time & Instant Payments
Enable 24/7 transactions, FedNow, RTP, and QR codes for seamless, modern financial operations and customer experiences.
Stablecoin & Digital Assets
Integrate stablecoin issuance and payments capabilities directly into your services without needing to overhaul core infrastructure.
Core System Compatibility
Matera’s Digital Twin sits on top of existing cores, extending their life and dramatically boosting their functionality.
4
Proven Track Record
Benefit from 30+ years of Matera's proven expertise in banking technology, trusted by top global financial institutions.
Innovation
Isidore Quantum: Post-Quantum Encryption
Protect your financial institution from emerging quantum threats with Isidore Quantum, a credit-card-sized, plug-and-play device engineered by NSA experts. It delivers CNSA 2.0 and FIPS 140-3 post-quantum encryption, ensuring robust security for your most sensitive data.
1
Future-Proof Security
Leverage CNSA 2.0 and FIPS 140-3 compliant post-quantum encryption to defend against cryptographic vulnerabilities.
2
Zero Downtime Integration
Deploy effortlessly across financial networks and ATMs with a plug-and-play solution that requires no software rewrites.
3
Optimized TCO
Achieve significant operational savings with a 60% lower Total Cost of Ownership compared to conventional methods.
4
Comprehensive Data Protection
Secure all data in transit and critical network infrastructure, maintaining integrity and confidentiality.
Solution
Boom ID: Advanced Digital Identity
Boom ID empowers financial institutions with a robust, AI-powered digital identity verification platform. Designed for the modern banking landscape, it accelerates customer onboarding, fortifies fraud prevention, and ensures seamless compliance with evolving regulatory standards without compromising user experience.
Palm Biometric & Real-Time Verification
Instant palm vein recognition with real-time identity verification — frictionless, contactless, and highly secure across all banking touchpoints.
Instant Identity Verification
Leverage AI and biometrics for lightning-fast, secure customer identity checks across all channels.
Enhanced Fraud Protection
Proactively detect and prevent fraudulent activities with real-time risk assessment and anomaly detection.
Simplified Compliance
Streamline KYC/AML processes with automated data collection and audit trails, ensuring regulatory adherence.
Superior Customer Experience
Offer a smooth, intuitive onboarding journey that reduces abandonment rates and builds trust from day one.
Ready to Lead the Next Generation of Banking?
Replace Legacy Cores
End-to-end core banking replacement — from vendor selection to go-live.
Launch Digital Channels
Omnichannel experiences, digital onboarding, and Customer 360 — built for today's clients.
Build an AI-Ready Ecosystem
Composable architecture, AI strategy, and crypto-ready infrastructure — future-proofed from day one.
T23 brings the independence, expertise, and hands-on experience to design and deliver transformation programs that last. We're ready when you are.