Technology Risk Assessment

We prevent catastrophic failures in financial institution technology projects

Whether you're planning a core conversion, integrating systems after an acquisition, replacing a lending or digital banking platform, or implementing AI — we identify the risks, gaps, and patterns that lead to failure. Before, during, and after implementation.

Talk About Your Project

No vendor bias. No implementation work. No product recommendations. Just an independent assessment from someone who's seen 50+ of these projects succeed and fail.

50+
Technology Implementations
27
Years in Financial Services Tech
15+
Core Platforms

Most technology projects 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.

Even strong teams have blind spots

Your IT team may be excellent — and they may have done a conversion before. But they've only seen their institution's experience. The patterns that predict failure across 50+ implementations are only visible to someone who's been in those rooms repeatedly. We bring the cross-institutional perspective your team can't have.

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

Four 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
Every phase. Every project type. Whether you haven't started yet, you're mid-project and hitting problems, or the go-live happened and things aren't right — our assessment framework applies. We deliver the assessment. You make the decision.

Download a sample checklist

7 critical questions every financial institution should answer before their next technology implementation.

Are you ready?

Core system conversions and application implementations are a complex business. Many systems, processes, technologies and business practices overlap. Coppermoon helps you see the full picture with our Readiness Assessments. Here's a sample checklist to give you a sense of what it takes to keep technology projects on track.

Get your free checklist

Complete the form to download immediately.

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.

We deliver the assessment. You make the decision.

Rod Garlick, Principal Consultant at Coppermoon Consulting

Coppermoon is led by Rod Garlick, who brings 27 years and 50+ implementations across community banks and credit unions. Every assessment is conducted personally by Rod — not handed off to junior staff.

We have hands-on experience managing implementations for financial institutions ranging from community credit unions to Fortune 500 banks. Our background spans both sides of the table — working for core processors, mortgage and consumer lending software companies helping with their conversions and implementations, as well as inside financial institutions evaluating technology deployment, vendor performance, and contract negotiations.

We have worked across technology implementations spanning core system conversions, single system integrations, affiliate bank acquisition and integration programs, digital banking platform rollouts, lending system migrations, and complex multi-vendor programs. Our experience includes evaluating community bank technology usage and making recommendations about which software should be kept or replaced during acquisitions, as well as financial institution compliance at the enterprise level.

We understand not just the technology, but the organizational dynamics, vendor politics, and regulatory landscape that determine whether a project 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 multi-month engagement.

Every assessment is 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.

Experience Across

Core banking systems, digital & mobile banking, mortgage origination, consumer & indirect lending, credit & debit cards, payment processing, document imaging, data warehousing, and enterprise compliance platforms.

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.

Before your project goes off the rails —
let's find the gaps together

Core conversion, platform migration, merger integration, or AI initiative. Tell us where you are and we'll tell you what we see.

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Book a Meeting

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.