Your infrastructure may be working against your roadmap.
Banking CIOs are entering 2027 with budgets that barely grew and expectations that didn't slow down to match. Most teams are watching where that pressure lands: a new AI rollout, a vendor contract up for renewal.
Fewer are looking at the fax server still routing loan documents to a correspondent bank every day, even though that one system touches almost everything else on the CIO's list.
In our latest whitepaper, we discuss how modernizing document exchange can support your 2027 priorities.
What this report examines
Why banking CIOs are being asked to do more without a bigger budget, and where that pressure is landing first
How legacy document exchange infrastructure creates hidden operational and compliance risk
What resilience, productivity, cost reduction, and AI readiness require from the infrastructure underneath them
How banks are modernizing this layer without disrupting the workflows already running on it
Where the pressure shows up
Most legacy fax infrastructure runs on aging, on-premises servers, patched together over years through inherited vendor contracts and manual workarounds. A failed transmission gets resent by hand. That's routine enough that nobody questions it, until you count how often it happens across retail banking, lending, and claims in a single week. The same infrastructure handles loan documents and correspondence with correspondent banks, which is exactly where a bank can least afford a silent failure.
What's changing
Banks aren't ripping out core systems to fix this. They're modernizing the layer around them:
Replacing on-premises fax servers with redundant, cloud-based infrastructure
Giving compliance and audit teams a real-time, auditable record instead of a patchwork of logs
Routing documents securely into a bank's own AI, OCR, IDP, and automation environments, without exposing data to public AI tools
Starting with a single high-friction workflow and expanding on their own timeline, instead of a disruptive, all-at-once cutover
Where Retarus fits
Retarus provides cloud-based communications infrastructure built for regulated industries like banking. Redundant infrastructure and centralized reporting replace fragile legacy infrastructure, giving compliance and audit teams one clear record instead of several disconnected ones. Migration doesn't require staff to relearn how they work since Retarus integrates directly with the applications banks already use, including Outlook, SAP, Salesforce, and other enterprise systems. Documents route securely into a bank's own protected AI, OCR, IDP, and automation systems, which supports the data sovereignty requirements that come with operating across borders.