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Thoughtworks and AWS:

Redefining the future of financial services

From core modernization to AI-driven financial innovation
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Modern finance, engineered to keep pace with your customers

 

Composable, cloud-native platforms on AWS help banks, insurers and fintechs move past aging cores, fraud losses and slow lending, and launch the products people expect. Thoughtworks and AWS modernize what you run today and build what you launch next, with risk and compliance in the room from the first slice so governance is built in, not bolted on.

 

Talk to our team

From legacy constraints to cloud-native outcomes

 

Most financial institutions still run on systems built for a different era. We help you turn that estate into something you can change quickly, using AWS services and patterns that have already worked in production, not a one-off rewrite.

Fraud prevention with graph neural networks

Fraud runs as a network, but most fraud engines still score each transaction on its own. With AWS and NVIDIA, we add graph neural networks (GNNs) alongside the models you already run, so coordinated fraud rings show up and genuine customers stop getting declined. The pattern is simple: a GNN acts as a feature factory for graph-based risk signals, which then feed high-performance models such as XGBoost on AWS GPU infrastructure.

Read the fraud prevention article

Digital lending and payments on AWS

Old lending and payments stacks slow down brokers, borrowers and your own operations team. We build API-first digital platforms on AWS, usually alongside the systems you already run. With Bluestone, we turned an on-premise mortgage platform into a cloud-hosted digital engine, and the lending team now saves about 23 minutes on every loan assessment.

See how Bluestone rebuilt digital lending on AWS

An AWS platform, engineered for financial outcomes

 

AWS gives you the secure, scalable building blocks: Amazon EKS and Amazon EC2 for resilient compute, Amazon RDS and Amazon DynamoDB for core data, Amazon S3 and AWS Glue for analytics, Amazon Bedrock and Amazon SageMaker for AI, and NVIDIA blueprints for high-performance fraud models.

 

We bring the engineering, product and delivery experience to put those services to work inside a real bank, with live traffic, decades-old systems, strict non-functional requirements and the governance a regulated business demands. Together we move you from siloed platforms and manual controls to systems that are easier to change, easier to secure and ready for AI.

Built for measurable value, not just uptime

Faster product launches

 

Move off release cycles tied to a monolithic core. AWS-native architecture and modern pipelines let you put out new lending, deposit and payment products, and change them quickly.

Lower run-cost and platform risk

Shift workloads off high-cost mainframes and proprietary cores in controlled slices. You cut vendor lock-in and key-person risk without stopping day-to-day operations.

Better fraud control, less friction

Graph models and AI inference cut card-not-present and authorized push payment fraud while bringing false positives down, so you protect revenue and spare good customers a wrongful decline.

Regulatory confidence built in

 

We design data, monitoring and model governance with your regulators and risk committees in the room. Every automated decision can be traced and explained, and where it matters a person stays in the loop.

Better journeys for customers and brokers

Self-service portals, real-time servicing and guided workflows take work out of every application. At Bluestone, changes like these saved minutes per application and hours per day across the team.

Faster time to value

 

We deliver in 90-day slices, each tied to a clear outcome you can measure, rather than a multi-year program you have to take on faith.

Financial services on AWS, in production

One of the real benefits of engaging with Thoughtworks was they didn’t treat us like a customer, they really worked with us like a partner. That meant we got a much better outcome in a much quicker time.
Campbell Smyth
CEO, Bluestone

Thinking together, building together

Our work with AWS goes beyond delivery, it's a shared commitment to shaping what AI-powered enterprises can become. From agentic AI frameworks and fraud prevention to media reinvention, explore the research, reports, and conversations we're building together.

Ready to modernize your financial platforms on AWS?

 

Whether your priority is the core, fraud or digital lending, we will help you move from strategy to a running system, at a pace that fits your risk appetite and your regulators.

View on AWS Marketplace

Two ways to get started

 

Wherever you begin, you start with a fixed scope and a clear price, and you leave with a costed roadmap rather than a maybe.

Modernizing a core, mainframe or payments estate

For banks and insurers. Start with the three-day AI/works and AWS Transform workshop. It is a fixed-price engagement with AWS funding and AWS Marketplace procurement, and it leads to a first production slice in three months.

Explore the AI/works and AWS Transform workshop

Building a new digital product

 

For fintechs and ISVs. Start with the AWS Agentic Catalyst Program. It is a fully funded AWS engagement that pairs executive alignment with Builder Days, so you leave with a working prototype built the 3/3/3 way.

Explore the Agentic Catalyst Program

Frequently asked questions

  • No, and we would not recommend it. A big-bang cutover carries the most risk and leaves the least room to correct course. We wrap and evolve the systems you run today, expose capabilities through APIs, build new work on AWS around the edge of the core, then move high-value workloads over in stages.

  • As an AWS Premier Partner, we help you find the funding you may qualify for, including the AWS Migration Acceleration Program (MAP), and we run the process end to end. We have already helped 100+ clients secure AWS funding. Offers such as the AI/works and AWS Transform workshop can be bought directly through AWS Marketplace.

  • AI/works, with Amazon Bedrock, Amazon SageMaker and NVIDIA blueprints, helps you move fraud, risk and lending work from experiment to production on AWS. It handles tasks like code analysis, fraud modeling and agentic workflows, with governance and observability built in.

  • Most clients begin with a focused workshop to scope the work, estimate the impact and agree a roadmap. For a core or mainframe estate, that is the three-day AI/works and AWS Transform workshop. For a new digital product, it is the AWS Agentic Catalyst Program.

Thoughtworks acknowledges the Traditional Owners of the land where we work and live, and their continued connection to Country. We pay our respects to Elders past and present. Aboriginal and Torres Strait Islander peoples were the world's first scientists, technologists, engineers and mathematicians. We celebrate the stories, culture and traditions of Aboriginal and Torres Strait Islander Elders of all communities who also work and live on this land. 

 

As a company, we invite Thoughtworkers to be actively engaged in advancing reconciliation and strengthen their solidarity with the First Peoples of Australia. Since 2019, we have been working with Reconciliation Australia to formalize our commitment and take meaningful action to advance reconciliation. We invite you to review our Reconciliation Action Plan.