Banking
Baseline assumptions
Lines of COBOL
800B
Developers available (global)
100K
AI productivity multiplier
5×
Traditional SDLC — Input
Lines per dev per day
150
Traditional SDLC — Total elapsed calendar time (with AI)
844years
Without AI: 1,212 years
Traditional SDLC
Discovery & archaeology
13.5 yrs
Dependency mapping, business logic extraction, documentation
Requirements & BA analysis
101.3 yrs
BA workshops, business rule capture, stakeholder sign-off
Architecture & design
67.5 yrs
Target Java architecture, data model, API design, cloud infra
Code migration (AI-assisted)
33.8 yrs
COBOL → Java translation, refactoring, code review
Unit & integration testing
127.0 yrs
Automated test generation, CI/CD pipeline, coverage validation
Functional testing
84.4 yrs
End-to-end functional validation against COBOL behavior
Parallel / shadow running
84.4 yrs
Dual-run old + new, output reconciliation, discrepancy resolution
BA / UAT / business testing
67.5 yrs
Business acceptance, edge case validation, sign-off cycles
Regulatory & compliance
33.8 yrs
Audit trails, SOX/PCI/Basel compliance validation, regulator approval
Deployment & cutover
25.3 yrs
Phased rollout, fallback planning, prod monitoring
Post-migration stabilisation
16.9 yrs
Hypercare, incident response, performance tuning
Scenarios
Conservative
1,964
years
Pessimistic
800B lines · 150 lpd · 50K devs · 2× AI
Base case
844
years
Most likely
800B lines · 150 lpd · 100K devs · 5× AI
Optimistic
391
years
Best-case
800B lines · 150 lpd · 200K devs · 15× AI
MO Process — Input
Lines per dev per day
1,200
MO Process — Total elapsed calendar time (with AI)
47years
MO Process
Analyze source code
2.7 yrs
Capture production data
22.8 yrs
Generate a modern replica candidate
18.3 yrs
Verify behavioural equivalence
16.4 yrs
Verify performance and integration equivalence
9.1 yrs
Regulatory & compliance
3.7 yrs
Integrate into production
9.1 yrs
Project management overhead
9.1 yrs
Scenarios
Conservative
127
years
Pessimistic
800B lines · 1,200 lpd · 50K devs · 2× AI
Base case
47
years
Most likely
800B lines · 1,200 lpd · 100K devs · 5× AI
Optimistic
20
years
Best-case
800B lines · 1,200 lpd · 200K devs · 15× AI
Traditional SDLC model inspired by Vikas Pujar's LinkedIn post
MO Process by Mechanical Orchard
800B LOC estimate from Rocket Software survey
MO Process by Mechanical Orchard
800B LOC estimate from Rocket Software survey
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