As the pace of upgrades accelerates, these are among the vendors who have been winning business

All told, at least 100 vendors offer core systems software to banks. The following is a list of some of the U.S.-based tech firms that provide core banking solutions for retail banks in North America, and some recent projects and client wins of note.

Computer Services Inc. (CSI)
The Paducah, Ky.-based CSI's suite of core banking software includes its NuPoint core-processing system as well as additional systems that drive tech and products such as business intelligence, loan relationship pricing, risk and GRC, CRM, imaging, "green" technology strategies, web banking, payments and online account opening.

The firm has signed six banks since March 1 for core upgrades, including Paducah Bank with $530 million of assets; and State Bank of Whittington, an $88 million-asset bank based in Illinois.

A San Diego-based firm that specializes in credit unions, Corelation offers KeyStone, which features an XML-based real-time API for third parties that is designed to support all application functions; it also offers a fluid browser-based user interface. Keystone also offers a multi-threaded design that can post a number of transactions simultaneously, including within single batch jobs.

The firm started 2011 with no live clients, but ended the year with three credit unions up and running on its KeyStone system: Harbor Federal Credit Union ($95 million, Carson, Ca.); Cabrillo Credit Union ($191 million, San Diego); and Oregon Pioneer Credit Federal Credit Union, ($24 million, Portland), and Orion FCU.

Headquartered in Jacksonville, FIS' core banking technology includes Horizon and Integrated Banking Services (IBS), an open solution that's designed to integrate with various point solutions to enable core deployments with reduced disruption to business operations.

The firm says it supported more than 100 core conversions globally in 2011. Among FIS' clients are American Chartered Bank, a $2.4 billion-asset bank based on Schaumburg, Ill; Bridge Bank, a $1 billion-asset bank based in San Jose, Ca.; and East Carolina Bank, a $975 million- asset bank based in Englehard, NC

Fiserv's core banking platforms include Cleartouch, Precision, Premier and Signature, which enable processing and tasks such as account openings, deposits, withdrawals, loans, customer information management and general ledger and accounting tasks.

Recent core banking overhaul signings for the Brookfield, Wis.-based Fiserv include Astra Bank, a $149 million-asset bank based on Scandia, Kan.; Kennebec Savings Bank, a $984 million-asset banks based in Augusta, Me.; WashingtonFirst Bank, a $275 million-asset bank based in Washington, D.C.; Citizens Community Bank, a $171 million-asset bank based in South Hill, Va.; and Big Horn Federal, a $167 million- asset bank based in Greenbull, Wy.

Jack Henry
The Monett, Mo.-based Jack Henry's SilverLake core banking platform can be installed in house or implemented through the firm's OutLink Data Centers, Jack Henry's outsourced offering. The system integrates with about 100 complimentary solutions and can leverage existing technology investments in JXchange, a servicesoriented architecture on a .NET platform that provides open connectivity between Jack Henry Banking's core and complementary products.

In the first week of January alone, UniBank, a $1.3 million Massachusettsbased community bank, and Brookline Bank, a Boston area bank with about $4.8 billion in assets, have signed on to upgrade their core centers via SilverLake. That followed deals in late fall with The Citizens Bank, a $530 million-asset bank based in Batesville, Ark.; and Fifth District Savings Bank, a $376 million-asset bank based in New Orleans.

Open Solutions
Based in Glastonbury, Conn., Open Solutions' mix of products for core upgrades includes DNAappstore, an online marketplace for apps that work with the basic DNA core processing product, and DNAcreator, a suite of tools to create integrated core applications. The DNAappstore was developed after a $100 million investment by Open Solutions, and in less than a year has led to an increase in core sales for the firm. Institutions develop their own DNA apps, which are available to other Open Solutions customers for free or a fee that's shared with Open Solutions on a 70/30 split.

Since launching DNAcreator and DNAappstore, Open Solutions has signed $2.1 billion asset Cambridge Savings Bank, $1.2 billion asset Stanford Federal Credit Union, and ten other community banks and credit unions through the end of third quarter 2011 for core upgrades.