Modernizing Your Bank Core in 2025: The Bank CIO Perspective

In this episode of Conversations in Credit, host Jeremy Tsui sits down with Vikram Ramani, Chief Information Officer at Synovus Bank, to discuss the evolving landscape of banking technology. With over two decades of experience in financial technology, Vikram shares his journey from programming to leading technological innovation at a $60 billion asset bank. He emphasizes the importance of aligning technical advancements with business objectives, providing valuable advice for aspiring tech professionals.

Vikram delves into the challenges and opportunities of modernizing core banking systems. From integrating generative AI to enhancing customer experiences, he outlines how banks like Synovus are navigating innovation while adhering to strict regulatory guardrails. He also highlights the significance of collaboration across business units to implement sustainable, long-term technological changes.

The conversation wraps with Vikram’s vision for the future of fintech and his advice to startups aiming to thrive in a highly regulated industry. For a lighter moment, he shares his love for tennis, college football, and unwinding on weekends.