[rectang]

Perhaps open source projects such as Apache Fineract (incubating) can leapfrog the slow-moving giants.

http://fineract.incubator.apache.org/

    Apache Fineract (\’fīn-,ә-,rakt\) is an open source
    system for core banking as a platform. Fineract 
    provides a reliable, robust, and affordable solution 
    for entrepreneurs, financial institutions, and service 
    providers to offer financial services to the world’s 
    2 billion underbanked and unbanked.

[spangry]

Sorry I'm a bit late to reply. Just wanted to say thanks very much for telling me about this. I now know what I'm doing this weekend :)