This white paper traces core banking from early digitized and product-centric systems through customer-centric architectures to a new process-centric, composable model. Traditional cores remain constrained by monolithic designs, rigid databases, tightly coupled modules, data silos, vendor lock-in, and costly change. A composable ecosystem instead allows banks to assemble best-of-breed capabilities around distinct business processes. The paper identifies JSON, BIAN, MACH principles, and data domains as key building blocks, with MongoDB providing the flexible developer data platform beneath them. Examples from Temenos, Current, and illimity demonstrate cloud-native microservices, real-time banking, single customer views, and rapid feature development. The paper argues that composability is b

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