It is the dirty secret of the Indian Fintech boom. While the front-end (UPI apps, NetBanking) looks slick and modern, the back-end is often running on code written in 1995. Many of India’s top banks and insurers still rely on COBOL and Monolithic Java systems.
The Crisis of 2026:
- The Talent Cliff: The engineers who wrote that code are retiring. Young developers don’t know COBOL.
- The “UPI Load”: Old systems were designed for thousands of transactions a day. UPI hits them with millions per hour.
- The Result: Frequent outages, slow reconciliations, and security patches that take weeks to deploy.
In the past, modernizing these systems took 5 years and cost ₹500 Crores. In 2026, Agentic AI has changed the math. Here is how Best Tech Company uses “AI Coding Agents” to rewrite your legacy stack safely and swiftly.
1. What is “Agentic Refactoring”? (It’s Not Just ChatGPT) 🤖
Standard GenAI (like GPT-4) can write snippets of code. Agentic AI (the 2026 standard) is different. It can “reason” across an entire codebase.
- The Process: We deploy an AI Agent inside your secure environment. It maps every dependency in your 20-year-old spaghetti code.
- The Action: It doesn’t just “translate” line-by-line (which creates bad code). It refactors—identifying logic and rewriting it into clean, modern Microservices (Java Spring Boot, Go, or Python).
2. Speed: From Years to Months ⏩
A manual migration involves human developers reading thousands of lines of code to understand business logic.
- Human Speed: 100 lines of legacy code analysis per day.
- Best Tech Company AI Speed: 50,000 lines per hour.
- We recently helped a Tier-1 NBFC migrate their Loan Management System in 4 months—a project that was originally scoped for 2 years.
3. “Self-Healing” Unit Tests (The Safety Net) 🛡️
The biggest fear of CIOs? “If we rewrite it, we will break hidden business rules.” Our AI Agents generate Automated Unit Tests for every single function they rewrite.
- Before the new code goes live, the AI runs it against 10 years of your historical data.
- If the output differs even by 1 paisa from the old system, the AI flags it for human review.
4. The “Human-in-the-Loop” Guarantee 👨💻
AI is powerful, but not perfect. That is why Best Tech Company is not a software tool; we are a service.
- Our Model: 80% AI + 20% Human Expert.
- Our Senior Architects verify the architecture proposed by the AI. We ensure the new system is compliant with RBI guidelines and DPDP Act privacy norms.
- You get the speed of AI with the safety of human accountability.
5. Cost: The “FinOps” Advantage 📉
Legacy mainframes are expensive to license and maintain. By moving to a cloud-native, open-source stack (Linux/PostgreSQL) managed by us:
- You eliminate expensive legacy licensing fees.
- You reduce cloud compute costs by 30-40% because the new code is optimized for the cloud.
Don’t Wait for the Crash.
Your legacy system is holding your business hostage. In 2026, you don’t need a massive budget to fix it—you just need the right AI agents.
Is your code older than your junior developers? Schedule a “Legacy Code Assessment” with Best Tech Company today.