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Throught Machine and AWS to drive AI-powered core migrations

Thought Machine and AWS are using AI to help lenders modernize their core systems, paving the way for faster innovation in consumer credit.

Curated by Financing Your Way from original reporting by Finextra — Lending. Summary is AI-assisted and editorially reviewed — see our editorial standards.

FYWBy Financing Your Way EditorialSeptember 29, 2026

This news highlights a shift in how the backend systems that power consumer financing are built and updated. Thought Machine and AWS are launching an AI-powered tool to help banks move away from clunky, legacy systems more quickly. For a retailer or service provider, this might seem like 'banker talk,' but it directly impacts the speed at which your financing partners can launch new products. Old banking tech is the primary reason it takes months or years to roll out a new Buy Now, Pay Later (BNPL) feature or a customized revolving credit line. By using AI to automate the migration to the cloud, lenders can ditch the rigid systems that limit your financing options. This technology allows lenders to become more agile, meaning they can offer you more personalized credit terms for your customers and better integration tools for your point-of-sale systems. When banks modernize their 'core,' the trickle-down effect for merchants is typically faster approvals, higher uptime, and more innovative lending products that fit your specific niche.

Source: Finextra — Lending

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