As we know already, banking software being used widely is core banking platform. At times, this core banking platform is not available, and it thus affects payments. In order to modernise its core banking legacy system, a bank can follow a ‘hollow the core’ strategy. A startup well-versed in core banking technology could be used to create new core banking modules. It facilitates the setting up of a fully-resilient active payments architecture. It ensures minimal payment downtime, even if core banking is not available.