First Horizon Bank Migrates to NCR D3 Digital Banking Platform on AWS

Around October 22, 2020, First Horizon Bank announced the migration of its digital banking platform to NCR's D3 solution, hosted on Amazon Web Services. The move covers both consumer and business digital banking experiences, providing a modernized interface and enhanced functionality for the bank's customers. NCR's D3 platform offers a cloud-native architecture that enables faster feature deployment and improved scalability compared to legacy systems.

The AWS hosting arrangement provides the reliability and security infrastructure required for financial services workloads. First Horizon, a significant regional U.S. bank, selected NCR D3 to keep pace with digital-first competitors and meet evolving customer expectations for seamless banking experiences. The partnership illustrates the broader trend of traditional banks adopting fintech-built platforms to accelerate digital transformation rather than developing proprietary solutions.

While not a pure BaaS arrangement, the platform modernization enables First Horizon to potentially pursue embedded finance integrations and API-driven partnerships in the future.