There are _many_ other off the shelf core banking systems - some are more modern and cloud first (Mambu) and others more direct competitors to BANCS (Flexcube,

There are _many_ other off the shelf core banking systems - some are more modern and cloud first (Mambu) and others more direct competitors to BANCS (Flexcube, Finacle, Temenos). I don't think many of them are Cobol/mainframe based.