Before Memmo my notes were scattered across PDFs. Now a workspace pulls everything into one place — I see exactly what's still left to study.
The Platform Enabled Banking Transformation Playbook or What a Kitchen Disaster Teaches about Fixing Banks!
The renovations needed to fix a broken dishwasher and flooded kitchen are the genesis for Rip Out the Core: A DIY Guide to Platform-Enabled Banking Transformation. They showed what many transformation leaders learn the hard way: do not just tear everything out and rebuild. People have to live in the house while it is being renovated. Likewise, a bank must keep banking while modernising systems. Customers still need their payments processed. Regulators still need their reports. Staff still need systems that work. The art isn't in the demolition – any fool can destroy things. The art is in the careful, methodical, strategic rebuilding that does not bring the whole structure crashing down.
This art is the foundation of the book’s Platform Enabled Banking Transformation (PEBT). PEBT is not a product. It is not a framework in search of a slide deck. It is a way to think about doing progressive modernisation step by step, capability by capability, with strategy, sanity, and staying power. Tracing these steps, the book starts with why systems fail, how to spot the early warning signs, and why starting with tech is usually a terrible idea. It then covers blueprints, construction, and systems rollout to end with a look into the platform-enabled future of banking, and how to stay adaptable in an unpredictable world.
This book is written for anyone working in banking and especially in Information Technology, operations, architecture, or transformation. It is written to make them feel seen. It is written for those who have thought, “We can’t keep patching this thing forever.” This book explains why that thought keeps coming back, and how to modernise without losing control of the bank along the way
Before Memmo my notes were scattered across PDFs. Now a workspace pulls everything into one place — I see exactly what's still left to study.
Memmo's summaries are gold before exams. I don't have to re-read 800 pages two weeks before — just the important parts.
The AI chat has saved me the night before an exam more than once. I just keep asking until I get it — no waiting on a study group to reply.
The quizzes hit exactly what I need to know. Memmo tracks what I get stuck on — so I only practice what's worth it.
Flashcards with spaced repetition are magic. Memmo knows when I'm about to forget something and brings it back.
The AI podcasts are my favorite. I listen on my way to school and get a recap without sitting at a computer.
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