What technology stack does Arvest Bank run?
Arvest runs two cores side by side. In September 2021 it chose Thought Machine's cloud-native Vault core, with Accenture as integrator, and in October 2022 launched its first product on it, an equipment-finance loan built in under nine months, which made it the first US bank to lend on Vault Core. Then chief technology officer Ninish Ukkan described a 'dual-core, multi-core strategy' in March 2023, with legacy products staying on the Fiserv Signature core while ready applications move across; the February 2026 Baker Hill release still names Fiserv Signature as the core its UN/FY small-business lending platform integrates with, alongside Salesforce. The infrastructure layer is Google Cloud, signed in July 2022 as a five-year partner to migrate the bank's data centres: the Vault core and the bank's new data platform both run there, 40% of targeted applications had moved by April 2025, on-premises servers at one data centre were down 98% since 2022, and application modernisation is due to finish in 2027. Spending is governed by a cloud centre of excellence and a FinOps practice using tools such as Apptio. Since December 2025 all technology teams report to chief information officer Jennifer Baker, in a newly designed role.[1][2][3][4][5][6][7][8][9][10][11]
Data as of Oct 16, 2026 · Arvest profile updated Oct 13, 2026 · 16 sources cited on this page · 140 banks profiled on this site · Markdown
Which platforms make up Arvest's stack?
Vendors and dates as Arvest, its vendors and the trade press describe them. No vendor contract values are public.
| Layer | Platform | Vendor | Since | Status |
|---|---|---|---|---|
| Core banking (new) | Cloud-native Vault Core, chosen for product innovation, faster time to market and cloud-first capabilities; first product an equipment-finance loan | Thought Machine, with Accenture as systems integrator | Selected September 16, 2021; first product live October 2022 | In production for equipment finance; more commercial loan types planned[1][3][7] |
| Core banking (existing) | Signature core, run side by side with the new core under a 'dual-core, multi-core strategy' | Fiserv | Long-standing | In production; no conversion date announced[4][5] |
| Cloud infrastructure | Data-centre migration and Google's AI and machine-learning tools under a five-year partnership; primary cloud provider, with a multicloud strategy and some workloads kept on-premises | Google Cloud | July 21, 2022 | 40% of targeted applications migrated by April 2025; completion due 2027[6][8] |
| Data platform | New data platform that receives data from the Vault core, built on Google Cloud | Google Cloud | By February 2023 | In production[7] |
| Small-business lending | UN/FY loan origination: digital applications, streamlined underwriting, automated workflows | Baker Hill, integrated with Fiserv Signature and Salesforce | February 9, 2026 (relationship about 30 years) | Rolling out[5] |
| Cloud cost control | Cloud centre of excellence and FinOps practice; tools such as Apptio | Apptio and others | December 2023 | In place[10][9] |
How has Arvest's modernisation progressed?
In date order.
| Date | Milestone |
|---|---|
| September 16, 2021 | Thought Machine and Accenture selected; Accenture to help structure the future bank proposition and pick ecosystem partners[1] |
| July 21, 2022 | Five-year Google Cloud partnership; CEO Kevin Sabin: 'Moving to the cloud is another key component to our transformation'[6] |
| February 23, 2023 | Equipment-finance loan on Vault Core announced, live since October 2022; built in under nine months as a 'One Arvest Effort' across IT, data engineering, finance, risk and compliance[3][7] |
| March 2023 | Ukkan says the new core has been in build for 10 months alongside Fiserv Signature, with ready applications to move over the following year[4] |
| December 2023 | Then transformation chief Laura Merling rates data readiness at 7 to 8 out of 10, up from 2; one of two data centres being retired[12] |
| September 9, 2024 | About two and a half years into the cloud migration, due to finish in 2027[9] |
| April 4, 2025 | 40% of targeted applications in the cloud; on-premises servers at one data centre down 98% since 2022; multi-region cloud disaster recovery validated[8] |
| December 3, 2025 | Jennifer Baker named CIO, a newly designed role leading all technology teams[11] |
| February 2026 | Baker Hill UN/FY upgrade; former CTO Ukkan joins Fiserv[5][13] |
What is unfinished or undisclosed about Arvest's stack?
The core conversion is incomplete on the public record. Merling said in February 2023 that more commercial loan types would follow and 'eventually all of them will be on that new banking core', but no further Thought Machine product or conversion date has been announced, and the 2026 Baker Hill integration runs to Fiserv Signature. Arvest, a private bank, publishes no 10-K, so the cost of the programme is undisclosed.[7][5]
Operational incidents show the stakes of change. American Banker reported that a 'technical glitch' during routine system updates on April 24, 2025 let some customers see other customers' names, account numbers, balances and activity, affecting 7,537 people; online and mobile banking were fully restored the next afternoon. A 2023 breach of the MOVEit file-transfer tool used by vendor Fiserv affected 26,388 Arvest customers.[14]
What does the Arvest profile record on this topic?
The rows below are the entries of the Arvest AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 20 dated moves, 11 use cases and 22 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Digitised small-business lending (Baker Hill UN/FY) | Automated workflows and streamlined underwriting across the lending lifecycle. | Rolling out | [5] |
| Cloud-native core and cloud migration | Thought Machine core and Google Cloud infrastructure with AI and ML tooling. | In production | [2][15][3][9] |
| Google Contact Center AI Insights (planned) | Named in the 2022 Google Cloud agreement to improve the contact-centre experience; no deployment has been reported since. | Announced | [15] |
| Google Document AI for commercial lending (planned) | Named in the 2022 Google Cloud agreement to advance commercial lending decisions; no deployment has been reported. | Announced | [15] |
| Google AI Code Assist (exploration) | Named in April 2025 alongside Gemini for Workspace; no rollout has been reported. | Announced | [8] |
| Multicloud strategy with FinOps and a cloud centre of excellence | Google Cloud is the primary provider; other providers are unnamed; multi-region cloud disaster recovery validated; spend governed by FinOps. | In production | [8][9][10] |
| me@Arvest reskilling programme | Job-based learning journeys in cloud and data for technologists, expanding to every associate by 2026, with Coursera, LinkedIn, Google and Salesforce training relationships. | Rolling out | [16][12] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Feb 9, 2026 | Baker Hill UN/FY small-business lending platform | Digital applications, streamlined underwriting, automated workflows; Fiserv and Salesforce integration. | [5] |
| Apr 4, 2025 | 40% of targeted apps in the cloud; AI Code Assist and Gemini under review | Mark Chastain reports a 98% cut in on-premises servers at one data centre since 2022, a multicloud strategy and 2027 as the end of application modernisation; 2025 goals include exploring Google AI Code Assist and Gemini for Workspace. | [8] |
| Sep 9, 2024 | Cloud migration midway, due to finish in 2027 | Arvest's IT executive director says the bank is 'seeing that return' as engineers move off data-centre upkeep; a cloud centre of excellence and FinOps practice govern spend. | [9] |
| Dec 20, 2023 | CTO sets up FinOps for cloud spend | Ninish Ukkan says the bank is setting up FinOps and uses tools such as Apptio to optimise cloud spend. | [10] |
| Dec 5, 2023 | Transformation chief on data readiness and skills | Laura Merling tells CIO Dive data readiness has risen from 2 to 7 or 8 out of 10, more than 1,000 technologists are mapped to learning journeys and 300 have finished cloud fundamentals; one of two data centres is being retired. | [12] |
| Feb 23, 2023 | First product live on the Thought Machine core | An equipment-finance loan launched in October 2022, built in under nine months; Arvest is the first US bank to lend on Vault Core. | [3] |
| Jul 25, 2022 | Google Cloud partnership with AI and ML tools | Five-year deal to migrate data centres and use Contact Center AI Insights, Document AI for commercial lending decisions and AI for regulatory requirements; then transformation chief Laura Merling called data, insights and AI 'the foundation' of industry disruption. | [15] |
| Sep 16, 2021 | Thought Machine and Accenture selected for a cloud-native core | Thought Machine’s Vault chosen as the next-generation core engine; Accenture to help structure the future bank proposition and select ecosystem partners. | [2] |
Has Arvest moved to Thought Machine?
Partly. Arvest chose Thought Machine's Vault Core in September 2021 and has run an equipment-finance loan on it since October 2022, making it the first US bank to lend on Vault Core. Its then CTO described a dual-core strategy in March 2023, keeping legacy products on Fiserv Signature while applications move over. In February 2026 Baker Hill's UN/FY platform was integrated with Fiserv Signature, and no full conversion date has been announced.
Which cloud does Arvest use?
Google Cloud is the primary provider under a five-year partnership announced on July 21, 2022 to migrate the bank's data centres. The Thought Machine core and the bank's new data platform run on Google Cloud. In April 2025 the bank said 40% of targeted applications had moved and that it is pursuing multicloud while keeping some workloads on-premises, with application modernisation due to finish in 2027.
Who runs technology at Arvest?
Jennifer Baker has been chief information officer since December 2025, in a newly designed role leading all technology departments and teams; she was previously chief technology officer of Synovus Bank. Chief operating officer Yurik Paroubek oversees technology among other functions, and Mark Chastain is executive director of information technology. Former CTO Ninish Ukkan left for Fiserv in February 2026.
How does Arvest control cloud costs?
Through a cloud centre of excellence and a FinOps practice. Then CTO Ninish Ukkan said in December 2023 that the bank was setting up FinOps and using tools such as Apptio, and American Banker reported in September 2024 that both were in place two and a half years into the migration, with the IT executive director saying the bank was 'seeing that return' as engineers moved off data-centre upkeep.
- Arvest Bank Collaborates with Tech Leaders Thought Machine and Accenture for Next Generation Core Banking Platform
- Arvest Bank Collaborates with Tech Leaders Thought Machine and Accenture for Next Generation Core Banking Platform
- Arvest Bank launches real-time banking capabilities using Thought Machine core technology
- Arvest Bank building new core
- Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending
- Arvest Bank Collaborates with Google Cloud to Transform Community Banking
- Arvest Bank rolls out equipment lending product
- Arvest Bank moves 40% of apps to cloud
- Are banks saving money as they migrate to the cloud? What you need to know
- How Capital One, Arvest Bank keep cloud costs under control
- Arvest names new CIO, Chief Credit Administration Officer
- For Arvest Bank, wholesale cloud modernization had to start small
- Ninish Ukkan joins Fiserv as CIO of digital and financial services
- Arvest Bank glitch enabled customers to see other customers' data
- Arvest Bank Announces Collaboration with Google Cloud
- Preparing Associates for the Workforce of Tomorrow
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