This interview features Jean-Charles Duyck from SBS discussing a successful core banking modernization project for Fransabank France. Rather than a risky total system replacement, the approach utilized modular, cloud-native components to update digital services and instant payment capabilities. This incremental strategy allowed the bank to maintain operational stability and regulatory compliance while integrating modern API-driven architectures. By decoupling new features from the existing core, the bank achieved greater agility and resilience against technical disruptions. Looking forward, the source emphasizes that data analytics and artificial intelligence will drive future innovation within these scalable frameworks. Overall, the text highlights a low-risk transformation model tailored for the complex regulatory environment of the French banking sector.