Since the early days of computer-enabled automation, the account processing core has interacted with integrated systems, serving as a database-driven single source of truth for all transaction records. Historically, the combined capabilities of the account processing core and integrated systems were singly referred to as the core, and, as more functions became automated, they too were added to the core.

The plus side of this approach was that the credit union only had to purchase the core, and most of what was needed to run the credit union was included.

But, the physics of technology began to have an effect. As systems become more capable, they also become more complex and more costly to create, acquire and maintain.

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