This could be because your anti-virus software is checking every file upon access. This means that the database table files are scanned upon every call.
Also your application may be coded to reinitialise the software each time an API call is made, this will incur a performance penalty.
Re-configure your anti-virus software to prevent it scanning the DTFs on every call.Modify your calling application to initialise the Bank Wizard core once at startup instead of each time a call is made.
