Empowering Performance: Modernizing Legacy Applications in Consumer Credit Reporting

In today’s fast-paced financial technology sector, legacy systems can limit operational agility and security for credit reporting firms. We recently partnered with a global consumer risk data leader to modernize their account management platform—an engagement that showcases how methodical engineering and user-centered design unlock game-changing efficiency.

The Challenge: When Outdated Tech Holds You Back

Our client’s core operations app was built on an aging .NET frontend. Over time, this legacy system became a bottleneck for their internal teams and business growth, leading to:

Inefficient User Experience: Frustratingly slow load times and a clunky interface made everyday tasks cumbersome.

High Maintenance Costs: Specialized support for outdated infrastructure drained resources and inflated operating expenses.

Security and Compliance Risks: Older frameworks made modern security measures and regulatory compliance difficult to implement.

Limited Scalability: Integrating new digital tools or scaling for demand was complex and risky.

The main business request: Completely rebuild the platform’s interface using modern technology, streamlining everything for reliability, usability, and scalable growth.

The Solution: Phased, Agile Modernization with Angular

Sails Software’s engineering and delivery team orchestrated a phased transformation:

Sails Software’s engineering and delivery team orchestrated a phased transformation:
  • Full Frontend Rewrite: Developed a brand-new Angular interface, moving away from the old .NET stack.
  • Agile Delivery: Adopted a sprint-based, incremental rollout to avoid user disruption and gather real-time feedback.
  • Seamless Integration: Leveraged existing APIs for smooth backend connectivity, preserving vital business logic and data assets.
  • UX Innovation: Reduced repetitive clicks, reorganized workflow screens, and prioritized clarity—significantly improving task speed and operator satisfaction.
  • Security by Design: Implemented the latest security protocols, ensuring ongoing compliance and auditability.
User adoption was a top priority—interactive demos and clear documentation ensured the team was comfortable migrating to the new system.

Measurable Gains: Business Impact in Numbers

In the first weeks and months after migration, our client observed:
  • 45–50% increase in operational productivity: Teams complete daily workflows faster, with fewer errors.
  • 20–40% reduction in maintenance costs: The streamlined Angular stack requires less support and fewer emergency fixes.
  • 100% reduction in legacy-specific operational costs: No need for specialized, high-cost legacy developers or patching.
  • Shorter onboarding and ramp-up: The clean interface helped new users become productive more quickly, reducing training overhead.
  • Improved security posture: Up-to-date architecture enhanced trust and compliance readiness for audits.

Lessons Learned & Looking Forward

This project reinforced that legacy modernization is as much about people as it is about platforms. Active knowledge transfer, transparent planning, and agile delivery ensured the new solution addressed actual user pain points—not just technical debt.

With Phase 1 nearly complete, the team is focused on final refinements while collaborating on a roadmap for next-level features in future releases.

Ready to Modernize?

If modernizing your core app is a priority, Sails Software’s proven approach—from discovery through agile delivery and user onboarding—can help you unlock dramatic improvements in efficiency and compliance.

Conclusion

These success stories aren’t futuristic—they’re happening now. AI is shaping the future by solving real problems, enhancing decision-making, and creating new business value. The next wave of innovation won’t just be about new algorithms—it will be about how companies apply them with purpose and scale. These success stories are happening right now, not in the future. By improving decision-making, resolving actual issues, and generating new economic value, artificial intelligence is influencing the future. The next wave of innovation will focus on how businesses use algorithms on a large scale and with purpose, rather than just creating new algorithms.

Discover more from Sails Software

Subscribe now to keep reading and get access to the full archive.

Continue reading