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Main Author: Aggarwal, Neeraj
Format: Recurso digital
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Published: Zenodo 2026
Online Access:https://doi.org/10.5281/zenodo.18819488
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author Aggarwal, Neeraj
author_facet Aggarwal, Neeraj
contents <p dir="ltr">Legacy payment systems are stable but costly to modernize. This article outlines how AI can reduce modernization effort by up to 40% through intelligent code analysis, dependency mapping, and risk scoring. A structured 3‑phase model enables zero‑downtime transformation. Banks that adopt AI‑enabled modernization will define the future of payments.</p> <p> </p>
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publishDate 2026
publisher Zenodo
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spellingShingle The Real Cost of Legacy in Digital Payments — And How AI Can Reduce It by 40%
Aggarwal, Neeraj
<p dir="ltr">Legacy payment systems are stable but costly to modernize. This article outlines how AI can reduce modernization effort by up to 40% through intelligent code analysis, dependency mapping, and risk scoring. A structured 3‑phase model enables zero‑downtime transformation. Banks that adopt AI‑enabled modernization will define the future of payments.</p> <p> </p>
title The Real Cost of Legacy in Digital Payments — And How AI Can Reduce It by 40%
url https://doi.org/10.5281/zenodo.18819488