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Hogan 4.0 – modern banking is already here

Join the leaders in Banking 4.0 adoption with Hogan 4.0, a next-generation hybrid cloud-core banking platform that combines the latest technology and time-tested capabilities. 

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Why adopt Hogan 4.0?

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Cost and operational efficiency

As a hybrid cloud solution, Hogan 4.0 needs less space and energy and fewer human resources to maintain and manage. Enhanced recovery speed and integrated D/R between zLinux and zOS also boost operational efficiency and optimize operational costs. 

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Security

Hogan 4.0 meets strict security requirements, as proven by its FIPS-140 certification. Your sensitive data is protected with powerful encryption capabilities. Hogan 4.0 capacities also include data privacy passports and facilitated patch management. Running on the latest Z/OS systems and with Quantum Safe cryptography you can be confident there’s maximum security. 

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Performance and capacity

Hogan 4.0 can easily handle spikes in transaction volumes and large amounts of data, simultaneously operate a variety of workloads and support millions of users. This scalability and performance allow you to avoid dips in efficiency or unexpected downtime. 

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Flexibility

Able to run with integrated Java applications and COBOL, Hogan 4.0 can consolidate multiple disparate systems into one. You can also reap the benefits of a shared infrastructure by moving your workloads to the DXC mainframe cloud. 

 

Power superior CX and drive business growth with Hogan 4.0

Hogan 4.0 is the next-generation modern banking platform designed for top performance, maximum scalability, superior customer experiences and tight security. Powered by the latest advancements in banking technologies, Hogan 4.0 will help you streamline operations, delight your customers, maintain compliance and power your resilience. 

As a full-stack mainframe banking system, Hogan 4.0 can be deployed as a hybrid cloud solution. It can be tailored to your needs and will scale with your business to support its growth. 

 

What Hogan 4.0 can do for you

Customer experience

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Treat every customer individually with hyper-personalization and enable smooth and seamless experiences across all touchpoints with Hogan 4.0’s customer experience capabilities. 

Omnichannel

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Provide consistently excellent customer experiences across all channels, from online and mobile app user flows to in-person interactions. 

Marketing, CRM and customer loyalty

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Maximize marketing ROI with highly targeted campaigns, boost customer lifetime value with loyalty programs and enhance customer interactions with consolidated customer data. 

An integrated core banking platform

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Cover all of your operational needs from business rules, customer management, deposits to loans with a single platform designed for efficient real-time transaction processing and regulatory compliance across multiple jurisdictions. 

Payments and cards

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Meet your customers’ expectations with real-time transactions and the full spectrum of payment methods, all while keeping transactions and card services fully secure. 

Hybrid cloud: On-prem or as-a-Service

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Take advantage of cloud flexibility, scalability and enhanced cost control while leveraging the security of on-prem infrastructure with the Hogan 4.0 hybrid cloud solution. 

Hogan 4.0 values and business outcomes

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Hogan 4.0 offers powerful product management, customer analytics, compliance and market leading on mainframe 100% real time AI/ML fraud risk profiling capabilities to enable frictionless omnichannel customer journeys and maintain a secure, reliable, and compliant system of record. 

 

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Streamline core banking operations and drive business growth with Hogan 4.0

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Why choose DXC Luxoft’s Hogan 4.0 services

Decades-long expertise in core banking modernization

We have decades of experience modernizing core banking software with advanced technologies like AI/ML and cloud computing for our clients in the banking industry. 

Tailored solutions for financial institutions

We invest our time and resources in requirement discovery and assessment to pinpoint the most suitable solution for every client’s needs and goals. 

End-to-end banking services

We’re here for you every step of the way, from custom application development and testing automation to seamless integration and ongoing support and maintenance. 

Proven track record in regulatory compliance

We’re well-versed in the regulatory restrictions imposed on the banking industry and help our clients successfully mitigate compliance risks without sacrificing operational efficiency. 

Scalable and flexible infrastructure

We leverage our hybrid cloud expertise to deliver highly agile and scalable solutions that grow and evolve with your business needs and goals. 

Partnerships with industry leaders

Our extensive partner network allows us to deliver cutting-edge solutions that drive business value and competitive advantage for our clients. 

40+ years of banking experience

Over the past four decades, we’ve built the expertise required to successfully navigate the intricacies of the financial industry and deliver value-adding solutions to our clients. 

Reach out to us to get more information

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News and insights

Save millions in fraud detection with DXC Luxoft’s UmbrellaFraud

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Save millions in fraud detection with DXC Luxoft’s UmbrellaFraud

Are you planning for open banking CFPA compliance or a massive fine?

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Are you planning for open banking CFPA compliance or a massive fine?

DORA? It’s on my to-do list

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DORA? It’s on my to-do list

 

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Transform your operations with the next-generation core banking platform

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FAQ

Hogan 4.0 is designed to meet the demands of modern banking operations, helping you keep up with customers’ expectations and drive long-term business growth. Opting for Hogan 4.0 means gaining a strategic advantage with its benefits: 

  • Real-time processing. Hogan 4.0 enables your organization to execute lightning-fast transactions and ensure customer data quality 
  • Scalability and agility. Hogan 4.0 is a futureproof platform that can easily scale and adapt as your customer base grows or your services change 
  • Out-of-the-box compliance. With Hogan 4.0, you don’t have to worry about compliance risks: the platform is fully compliant with all key industry regulations 
  • Unified system. Hogan 4.0 consolidates operations and integrates all banking functions to facilitate collaboration, business agility and innovation 
  • Enhanced agility. With Hogan 4.0, you can easily develop and launch new products and adapt to shifts in market conditions and consumer demands 

Hogan 4.0 was designed to power excellent customer experiences. The platform provides your company with a comprehensive toolkit for improving customer engagement, loyalty and lifetime value, boosting your Net Promoter Scores, and giving you a competitive edge. 

Here’s how Hogan 4.0 enhances customer experiences: 

  • Advanced analytics tools derive actionable insights into customer behavior, needs and preferences to identify potential churn and effectively personalize your products and services 
  • User-friendly interfaces and multi-channel support ensure your customers always get the services they need, when they need them
  • Real-time data syncing powers truly smooth omnichannel experiences that eliminate friction from customer journeys  

With Hogan 4.0, you can secure a competitive edge with superior customer experiences, all while fostering customer trust and loyalty, maximizing marketing ROI, and successfully driving profitability in a cutthroat market. 

Hogan 4.0 has the full range of tools your financial organization needs to adopt a true omnichannel approach. This core banking platform can integrate in-person, digital and mobile banking channels to enable consistently smooth and satisfying customer experiences. 

With Hogan 4.0, your customers can seamlessly switch between channels without having to re-enter data and lose any progress. The platform syncs all data in real-time to enable your customers to pick up right where they left off when they move from one channel to another. 

Hogan 4.0 also consolidates all customer data and makes it available to your teams and other systems. This comprehensive data can then power highly targeted marketing messages, actionable insights into customer behavior and personalization at scale. 

Hogan 4.0 is built with security, compliance and fraud prevention in mind, from card management to transaction analytics. 

As financial institutions handle sensitive customer and transaction data, Hogan 4.0 ensures this data is fully protected. The platform comes with a full range of security capabilities to prevent data breaches and accidental exposure that may lead to financial losses and undermine customer trust. These capabilities include: 

  • Real-time fraud detection and prevention powered by continuous data analysis 
  • End-to-end encryption to safeguard sensitive data 
  • Robust user data protection for contactless payments 

With these and other capabilities, Hogan 4.0 allows you to maintain compliance and customer trust and reduce the risk of fraud, all without sacrificing any quality in customer experience. 

Opting for the hybrid cloud infrastructure allows you to get the best of both worlds: the hands-on control and security of on-premises infrastructure and the instant scalability and support for AI/ML and big data of the cloud. 

With this approach, you can store sensitive data on-premises to mitigate compliance risks and ensure robust security. At the same time, you can quickly scale your computing resources to maintain high performance during spikes in transaction volumes while optimizing consumption to reduce costs. 

Overall, the Hogan 4.0 hybrid cloud solution enables the agility required for quickly integrating new technologies, enabling you to adapt to fast-moving market conditions and consumer needs. It also optimizes costs, drives operational resilience and facilitates innovation from the front- to back-office.