Introduction

The Fintech Open Source Foundation (FINOS) was created to 
provide an efficient and transparent way for financial institutions 
to collaborate on open-source solutions. A major benefit of FINOS 
membership is the ability to use and collaborate on projects that 
provide benefit to the industry as whole. This case study explores a 
successful realization of this FINOS goal via Capital One’s adoption 
and collaboration on the Morphir project, which was originally 
contributed by Morgan Stanley in 2020.

Capital One uses Morphir to enable users to turn complex business rules and calculations into code, which implements that business logic. Morphir’s technically scalable architecture, rich feature set, and active open source community, helped Capital One achieve fast time to market and significant cost savings in the implementation.