Banks have tried becoming IT companies by opening APIs but this is not feasible due to their local nature and business of selling money not IT. While Visa and Mastercard have become more tech-focused with many APIs, banks themselves do not need APIs due to challenges of connecting thousands of banks with different legacy systems. To solve this problem, the document proposes using a "process layer" which would allow banks to move products and services to cloud processing through standardized processes rather than APIs which result in duplicated hardcoding. Corezoid is presented as a solution that can manage any type of process through a node-based system powered by Erlang and aimed at business analysts rather than developers.