International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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From Legacy to Intelligent Automation A Strategic Playbook for Large-Scale Financial Institutions

Author(s) Latha Ramamoorthy, Merlin Balamurugan
Country United States
Abstract Legacy systems pose significant challenges for financial institutions, constraining scalability, compliance, and innovation. Traditional infrastructures struggle to meet real-time service expectations and regulatory demands. This paper makes the business and technical case for intelligent automation (IA) as a strategic imperative, combining robotic process automation (RPA), artificial intelligence (AI), machine learning (ML), and cloud-native technologies.
We propose a structured seven-pillar strategic playbook for legacy modernization, covering system assessment, stakeholder alignment, automation architecture, governance, technology upgrades, workforce transformation, and performance measurement. Drawing on real-world case studies from JPMorgan Chase, Discover Financial Services, and Capital One, we validate the framework's practicality. A three-phase implementation roadmap Discovery, Pilot, and Scale guides institutions through de-risked, scalable automation adoption.
This paper offers a replicable model for financial institutions seeking operational agility, compliance robustness, and digital resilience, positioning IA as a foundation for future innovations such as AI Ops, hyperautomation, and ESG-aligned operations.
Keywords Intelligent Automation in Financial Services, Legacy System Modernization Strategy, AI-Driven Digital Transformation in Banking, Strategic Playbook for Automation at Scale, Hyperautomation Framework for BFSI, Compliance and Governance in Automation
Field Computer > Artificial Intelligence / Simulation / Virtual Reality
Published In Volume 7, Issue 3, May-June 2025
Published On 2025-05-04
DOI https://doi.org/10.36948/ijfmr.2025.v07i03.43459
Short DOI https://doi.org/g9hsfv
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