“Can a community-focused Australian ADI modernise its core banking infrastructure with cloud-native technology to compete with neobanks and regional majors?”
Bank of Sydney is a licensed Australian ADI that has historically served the Lebanese-Australian and broader migrant community in Sydney, offering retail and business banking products. In 2025 the bank announced a cloud-first digital transformation by adopting Infosys Finacle as its core banking system, signalling a modernisation push to compete with digital-native challengers and larger regional banks.
Sydney runs its ledger on Infosys Finacle (core banking, cloud-first).
The Embedded Finance Index 2026 maps 2 layers in Sydney's stack: Ledger (Infosys Finacle (core banking, cloud-first)); Lending (Home loans, Personal loans, Business loans and Commercial property finance).
Sydney is founded in 2001 and headquartered in Sydney, NSW, Australia.
Get a read on where your own stack stands against Sydney and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.