DXC and Thought Machine partner to modernize small bank systems

Published 24/06/2025, 14:18
DXC and Thought Machine partner to modernize small bank systems

NEW YORK - DXC Technology (NYSE:DXC), a prominent player in the IT Services industry currently trading at $14.63, and Thought Machine announced Tuesday a joint solution aimed at helping small and midsize banks modernize their core banking systems. According to InvestingPro analysis, DXC appears undervalued based on its Fair Value metrics, despite its stock declining nearly 29% over the past six months.

The collaboration combines DXC’s banking industry expertise with Thought Machine’s cloud-native banking platforms, Vault Core and Vault Payments, to offer financial institutions a managed service for digital transformation. With a market capitalization of $2.66 billion and a healthy EBITDA of nearly $2 billion in the last twelve months, DXC brings substantial financial strength to this partnership.

According to the companies, the solution addresses challenges faced by smaller banks competing with larger institutions that develop proprietary platforms in-house. The partnership aims to simplify the modernization process by providing integrated technology to replace legacy systems.

Randy McFarlane, global head of partnerships at Thought Machine, said the collaboration enables banks to "develop more innovative, customer-centric services with speed and ease."

The companies claim their solution allows financial institutions to launch new products such as savings accounts, mortgages, and loans in hours rather than weeks or months. The platform can be used to build new products or migrate existing systems.

Chris Drumgoole, President of Global Infrastructure Services at DXC Technology, noted that the joint offering provides "a comprehensive, future-ready path to modernization" for banks.

DXC Technology manages 250 million customer deposit accounts and processes transactions for 275 million cards daily at 475 banks, according to the press release statement.

Thought Machine has developed cloud-native banking technology used by financial institutions including Intesa Sanpaolo, ING Bank Śląski, Lloyds Banking Group, and Standard Chartered. The company has raised more than $500 million in funding and maintains offices in London, New York, Singapore, and Sydney.

In other recent news, DXC Technology reported its fourth-quarter fiscal 2025 results, surpassing earnings expectations with an earnings per share (EPS) of $0.84 against a forecast of $0.76. The company’s revenue also exceeded projections, reaching $3.17 billion compared to the anticipated $3.14 billion. Despite these positive results, DXC Technology’s stock experienced a notable decline in aftermarket trading. Additionally, RBC Capital Markets, Stifel, and Morgan Stanley have all revised their price targets for DXC Technology, with RBC cutting its target to $18, Stifel to $15, and Morgan Stanley to $16, reflecting cautious stances amidst economic challenges and the company’s guidance.

DXC Technology is also enhancing its cloud migration services in Mexico through a collaboration with SAP and Microsoft Azure, aiming to support local enterprises in sectors with strict data residency requirements. This initiative is part of a broader strategy to improve operational performance and integrate AI capabilities. The company’s ongoing efforts to reverse a long-term revenue decline include a focus on AI and technology innovation. DXC Technology has announced plans to restart its share repurchase program, highlighting its confidence in long-term value creation for shareholders.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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