Independent Conversion Advisory

Know what's going to go wrong before you spend millions

Independent readiness assessments for community banks and credit unions planning core conversions, mergers, and technology migrations. No vendor bias. No surprises. Just the truth about whether you're ready.

Talk About Your Project
50+
Core Conversions & System Integrations
27
Years in Banking Tech
15+
Core Platforms

Most conversions fail because nobody
asked the hard questions early enough

Your vendor won't tell you

Their incentive is to close the deal and start billing, not to tell you that your data isn't clean, your timeline is unrealistic, or your operations team is about to revolt. You need an independent voice in the room before the contract is signed.

Your team hasn't done this before

Core conversions are rare events. Most institutions go 15-20 years between them. Your people are smart, but they don't know what they don't know. The patterns that predict failure are only visible to someone who's seen them repeatedly.

60%
of core conversions exceed their original budget, often by millions in unexpected costs
30%
of vendor timeline estimates prove optimistic based on actual conversion outcomes
<1%
of project cost for a readiness assessment that identifies risks before they become disasters

Three ways to reduce your risk

Each assessment is built on a comprehensive framework covering technology, data, people, vendors, compliance, costs, and governance. Modular by design — scoped to your situation.

Full Core System Conversion Readiness Assessment

The comprehensive assessment for institutions planning a full core platform migration. Covers every dimension — technology ecosystem, data, vendors, contracts, people, governance, regulatory, costs, and risk. Designed to answer one question: are you actually ready?

  • Complete technology ecosystem mapping
  • Data readiness & locus-of-data analysis
  • Vendor & contract evaluation with deconversion review
  • Department mapping — roles, duties, dependencies
  • Staff change management & resistance assessment
  • Data security & governance review
  • Regulatory disclosure requirements
  • Realistic cost & timeline analysis
  • Customer communication & attrition risk
  • Contingency planning
  • Risk scorecard with go/no-go recommendation
A fraction of your conversion cost Starting from $25,000

Limited Conversion or Single Product Implementation Assessment

For institutions planning a single system migration — lending platform, digital banking, card processing, or similar. Narrower scope, but the same rigorous framework applied to your specific project. Also ideal for institutions early in the evaluation process who want a focused readiness check before committing.

  • System-specific technology assessment
  • Integration point & dependency mapping
  • Data readiness for targeted migration
  • Vendor & contract review
  • Staffing & organizational readiness
  • Risk scorecard with recommendations
A fraction of your implementation cost Starting from $10,000

M&A Technology Due Diligence

For institutions considering an acquisition. Understand what you're buying before the deal closes — technology stack, integration complexity, contract liabilities, staff retention risks, and realistic timelines. Your findings can influence the deal price or the decision to proceed.

  • Target institution technology assessment
  • Integration cost & complexity analysis
  • Contract & licensing liability review
  • Staff retention & cultural factors
  • Customer attrition risk modeling
  • Deal impact recommendation
A fraction of your acquisition cost Starting from $20,000

AI Implementation Readiness

For institutions evaluating AI tools — chatbots, fraud detection, document processing, lending automation. Cut through vendor hype and assess whether your data, infrastructure, and team are actually ready. Includes regulatory implications specific to AI in banking.

  • AI-specific data readiness assessment
  • Infrastructure & integration evaluation
  • Vendor claims reality check
  • Regulatory & compliance implications
  • Staff readiness & change management
  • ROI validation & timeline assessment
A fraction of your AI investment Starting from $10,000

Conversion Cost Estimator

Get a rough sense of what your technology conversion could actually cost. These ranges are based on real-world outcomes, not vendor estimates.

Tell us about your project

Select the parameters that match your situation.

Select your project parameters and click Generate Estimate to see projected costs and timeline.

Estimated Ranges
Total Project Cost
Realistic Timeline
Vendor Est. vs Reality
Systems Impacted
Recommended Assessment

From engagement to deliverable in weeks, not months

No bloated consulting engagement. No team of juniors. One experienced advisor, a proven framework, and a clear deliverable.

1

Discovery Call

30-minute conversation to understand your situation, scope the engagement, and confirm fit. No charge, no obligation.

2

Secure Intake

You complete an intake questionnaire and upload key documents through our secure client portal. Your data never touches public systems.

3

Assessment

On-site or remote interviews with key stakeholders. Technology review. Vendor evaluation. Organizational and data analysis. Typically 3-5 days.

4

Deliverable

Comprehensive readiness report with risk scorecard, prioritized recommendations, and a clear go/no-go assessment. Presented to your leadership team.

One advisor who's been in the room when it matters

Rod Garlick, Principal Consultant at Coppermoon Consulting

Coppermoon Consulting was founded by Rod Garlick, a banking technology specialist with 27 years of hands-on experience managing implementations for financial institutions ranging from community credit unions to Fortune 500 banks.

Rod has worked across 50+ technology implementations spanning core system conversions, single system integrations, affiliate bank acquisition programs, digital banking platform rollouts, lending system migrations, and complex multi-vendor programs. He understands not just the technology, but the organizational dynamics, vendor politics, and regulatory landscape that determine whether a conversion succeeds or fails.

Coppermoon exists because community banks and credit unions deserve the same caliber of independent advisory that large institutions get from the big consulting firms — without the six-figure price tag, the team of junior consultants, or the three-month engagement timeline.

Every assessment is conducted personally by Rod, enhanced by AI-powered analytical tools for faster, more comprehensive analysis. Your institution gets direct access to decades of pattern recognition — not a methodology binder.

Systems & Platforms

Fiserv Jack Henry Symitar Corelation Finastra ICE Mortgage MeridianLink nCino HubSpot Salesforce Core Banking Mobile & Internet Banking Mortgage Origination Consumer Lending Credit & Debit Cards Payment Processing

Data Security

All client data is processed through private, encrypted API connections. Your information is never stored beyond 30 days, never used to train AI models, and never visible to other users. We can accommodate zero-data-retention requirements for institutions with strict compliance mandates.

Another pair of hands — whether you're
planning or already in the midst of it

Core conversion, digital platform deployment, merger integration, or AI initiative. Tell us where you are and we'll tell you how we can help.

Location

Utah

Your data stays private. All information submitted through this form and our secure client portal is encrypted and never shared. We use private API connections with zero data retention for all analytical work.