Security & compliance

The Mambu platform lives up to state of art security standards as verified and assured by an external certification body.

Here's how we do it

• Continuous internal security tests and multiple annual external penetration tests (OWASP Top 10).
• Public APIs and data dictionary; automated backup retrieval.
• Security-in-depth, need-to-know, least-privilege principles.
• Incident response plans and 24/7 on-call staff.

Infrastructure & regulation

• AWS Partner Network member in Financial Services Competency program.
• Audited in AWS Well Architected Program for security best practices.
• Customer data processed in AWS data centres with extensive certifications.
• SOC 1 (Type 1 and 2) and SOC 2 (Type 1 and 2) compliant.
• ISO/IEC 27001 certified ISMS.

Data protection & privacy compliance

Mambu is dedicated to ensuring the protection of personal data entrusted by customers.

• Dedicated deployments for increased isolation and control.
• APIs for PSD2 regulation and open banking.
• Complete audit rights for customers and regulators.
• SLAs for uptime and resolution times; disaster recovery and business continuity plans.
• Security embedded in all SDLC stages.

Customer control, Global data protection programme, Data protection team

• Customers retain control of personal data processed by Mambu.
• Transparency on sub-processors, data processing locations, and cross-border data transfer mechanisms.
• Global data protection programme aligns with GDPR.
• Dedicated data protection team and Data Protection Officer.

Vulnerability Disclosure Program

Provides detailed information on how to submit a report about security and vulnerability issues. Public disclosure is discouraged until the issue is addressed.

Cloud banking platform

Mambu is the first cloud-native, software-as-a-service (SaaS) core banking platform created with scale, agility, ease of use and speed in mind, allowing you to build and deploy financial offerings, at scale.

Secure & compliant

The Mambu platform adheres to state of art security standards, verified and assured by an external certification body. Our commitment to security includes ongoing internal security assessments, external penetration tests conducted by security experts. We maintain robust incident response plans and have dedicated 24/7 on-call staff.

• Externally certified security
• Ongoing internal and external security assessments
• 24/7 incident response

Reliable

260+ customers work with Mambu’s cloud banking platform, and we ensure it behaves like the mission critical solution it is. We provide everything you need to keep your organisation up and running – built-in change tolerance, continuous delivery, near-zero downtime, full integrity and governance and more.

• Mission-critical reliability
• Continuous delivery
• Near-zero downtime

Future-proof

Break free from slow, single-release upgrades from monolithic platforms with continuous delivery for financial services, creating an ever-evolving, future-proof SaaS framework. Our composable approach allows you to swap independent elements again and again to deliver exceptional financial experiences, today and tomorrow.

• Continuous delivery
• Composable architecture

Configurable

Our feature-rich and highly flexible cloud-native platform enables financial and non-financial institutions to launch products fast. With over 30,000 possible product configurations and a low-code/no-code interface you can create financial products that cater to your specific needs without straining your resources.

• 30,000+ product configurations
• Low-code/no-code interface

Cloud-native

Mambu uses a modern cloud-native technology stack with composable components that are always-on, always accessible, and can scale infinitely and securely. RESTful APIs, Webhooks, Streaming APIs and open data provide best-in-class integration capabilities. We also fully manage your infrastructure in the cloud with your choice of cloud service providers for maximum performance, security, scalability and reliability.

• Always-on, always accessible
• Infinite scalability
• Best-in-class integration

Composable

Mambu’s approach to designing and delivering financial services is based on the rapid and flexible assembly of independent, best-for-purpose systems. Connect to your existing stack, and minimise vendor lock-in with the flexibility to iterate or adapt your architecture at any time with best-of-breed third-party providers.

• Rapid, flexible assembly of systems
• Minimise vendor lock-in

Integration & orchestration

With pre-built connectors and an extensive API architecture, you can build any stack you want, integrate services, and deliver great financial experiences at scale.

Connecting best-in-class technology

Gain instant access to 80+ verified technology partners screened to meet stringent criteria, including viability, regional availability, ecosystem compatibility, quality of service, API design and sandbox availability.

Access open APIs

APIs are the cornerstone of composable banking. Bridge your financial ecosystem, technology vendors and our cloud banking platform to create endless possibilities for innovation. Our API-first technology offers a suite of RESTful APIs that provide access to every aspect of our platform.

Compose your ideal stack

Swiftly assemble and configure independent components and systems with our robust integration layer. Harness the power of composability to improve your flow of data and agility to set you apart as the industry evolves.

Developer tools

Mambu empowers developers to bring changes and results to market in days, not months, and allows for rapid adoption of new technologies and automation. Our support portal gives access to all necessary documentation to start building with Mambu.

Connected solutions

Access a new world of innovation and tap into the external services you need to be tailored and configured to meet customer requirements.

• Upstream solutions: Customer experience & digital engagement, Account & loan origination, Credit decisioning, Customer relationship management, Financial crime mitigation
• Downstream solutions: Payment processing, Card issuing & processing, Accounting & finance, Regulatory reporting, Data analytics & business intelligence

The cloud banking platform that makes it possible

Configurable deposits and lending products, partnerships with best-of-breed technology providers, your choice of major cloud providers and a clear and transparent SaaS delivery and pricing model, we’ve got you covered.

Cloud-native advantages

Agile, flexible, responsive, future-ready, best in class, build faster, seamless integrations, adapt & scale.

• Agile: Build, test, and release new capabilities in days or weeks
• Flexible: Select components to fit business needs
• Responsive: Use off-the-shelf or custom-built solutions
• Future-ready: Avoid monoliths and vendor lock-in
• Best in class: Match customer and business process needs
• Build faster: API-driven processes with low-code tools
• Seamless integrations: Remove code duplication and effort
• Adapt & scale: Monitor, debug, and minimize re-coding as business grows

Let’s accelerate your journey together

Reimagine lending

Innovate the lending experience by delivering modern products and features to market faster. Mambu's composable, cloud lending platform enables you to build thousands of lending solutions and create better customer experiences.

Build. Connect. Launch.

Built in the cloud, the lending engine is true SaaS and cloud-native, offering flexibility to define rules, maintain workflows, and modify loan terms. Low-code configuration and APIs reduce development time and costs. The composable approach allows assembling and reassembling components as needed.

• Cloud-native SaaS
• Low-code configuration
• Composable architecture

Our lending solutions

Supports retail mortgages, personal lending, business lending, and purchase finance. Each lending type is supported with dedicated features and flexibility.

• Retail mortgages: Collateral-based real estate loans
• Personal lending: Secured or unsecured loans for individuals
• Business lending: Loans for business needs
• Purchase finance: Point of sale financing, revolving credit, buy-now-pay-later

Compose your perfect lending solution

Flexible configuration of interest rates, fees, limits, payment terms, grace periods, and payment holidays. Embedded finance capabilities and end-to-end solutions with partner connectors and APIs. Customised reporting for operational and performance metrics.

• Flexible configuration
• Embedded finance
• End-to-end solutions
• Customised reports

Trusted by leading lenders

Customer testimonials from Allica Bank, Lumi, and Plazo highlight the benefits of Mambu's cloud-native, composable lending engine.

• Seamless integration with proprietary applications
• Focus on SME lending
• Flexible lending solutions

Seamless integration with world-class partners

Open APIs enable integration with market-leading software solutions, supporting the full end-to-end loan life cycle from origination to collections.

• Open APIs
• Integration with partner solutions

Take a deeper dive

Recommended articles on SME lending, tech-driven lending trends, and buy-now-pay-later.

• Time for lenders to adapt to SME needs or risk losing out
• Tech-driven lending: trends & opportunities
• Buy now, pay later: lending for the digital age

Professional services

Technology is just the beginning. To accelerate time to value and unlock the full power of our cloud banking platform, access tailored services from Mambu to support your transformation.

A proven track record of global success

• 260+ customers
• 10+ higher NPS score compared to industry average
• 65+ countries
• +24% revenue growth (average of Mambu customers vs. peers)
• 300+ successful go-lives
• ~60% fewer resources required for setup

Advisory

Our expert team helps make your vision a business reality with sound insights, concrete action plans and real solutions for sustainable progress and growth.

• Proven experience from strategy, consulting, and finance.
• Leverage knowledge from 200+ innovative brands.
• Faster go-to-market by combining client and ecosystem expertise.
• Structured opportunity assessments.
• Market trends and competitor research.
• Customer journey creation.
• Growth plan modelling and cost optimisation.
• Expansion and transformation project alignment.
• Exploration of untapped segments and unmet customer needs.

Delivery

Implementation, tailored to your needs. Get the most out of the Mambu platform from delivery and onboarding to go-live and beyond.

• Initiate: Establish shared foundation and transparent ways of working.
• Discover: Understand business and technology requirements.
• Enable: Configure, integrate, and support data migration.
• Test: Fit-for-purpose testing for launch readiness.
• Go-live: Operational readiness review and post-launch hyper care.
• Consultative guidance and industry best practices.
• Integration assistance for stack and ecosystem optimisation.
• Support for regulatory compliance and geographic expansion.

Customer success

We’re in it for the long run. The pillars of our approach provide personalised and continuous strategic value to help you scale and grow for today and into the future.

• Access to Mambu's global ecosystem and financial expertise.
• Personalised partnership and collaborative success planning.
• Customer-centric engagement and feedback-driven strategy.
• Continuous support for scaling and future growth.

Modernise deposit solutions

Harness the power of cloud-native technology, pre-built configurations and a composable approach to tailor your consumer and business banking portfolios. With a core banking platform from Mambu, you’ll enable faster and more efficient deposits and savings products for greater financial innovation.

Innovative. Flexible. Extendible.

Experience next-generation core banking solutions by leveraging Mambu’s composable approach. Create, customise and launch innovative transactional banking, deposit, and savings products that meet the expectations of your customers. Leverage the power and flexibility of our cloud-native technology and composable approach to build and scale your savings and deposit portfolio. Connect and integrate with a rich ecosystem of technology partners to enhance your value proposition and customer experience.

• Innovate at speed
• Build & scale
• Connect & integrate

Compose your perfect banking business

Tailor your financial offerings across five product categories available in our core banking platform.

• Personal banking: Daily transactional banking accounts for personal use with debit card and overdraft support.
• Business banking: Daily transactional banking accounts for business use with debit card and overdraft support.
• Stored value accounts: Subset of current account functionalities for offering digital wallets or gift cards.
• Personal deposits: Savings accounts for personal use with interest bearing capabilities.
• Business deposits: Savings accounts for business use with interest bearing capabilities.

Transactional core banking and deposit products

Our core banking platform supports checking deposits, debit cards, overdrafts, fixed-term deposits and more for personal and business banking. It also supports stored value accounts, prepaid card accounts, digital wallets, and gift cards.

• Personal banking & deposits
• Business banking & deposits
• Stored value instruments

Deposits made easy

Flexible savings: Simplify the handling of savings plans and maturity terms, providing full support for both positive and negative interest rate calculations, fixed, indexed and tiered banding, tax withholding or enforcing maximum account balance definitions. Flexible overdraft: Streamline the handling of arranged and technical overdrafts, provide full interest rate calculation support, levy additional overdraft fees and configure maximum overdraft limits. Stored value instruments: Integrates with a broad range of connectors and software solutions for stored value payment instruments. Custom reports & alerts: Multiple custom reporting and dashboard options.

• Flexible savings
• Flexible overdraft
• Stored value instruments
• Custom reports & alerts

Seamless integration with world-class technology partners

Expand to new markets through scalable, low-code/no-code product configurations. Iterate and test with in-house resources and publicly available APIs to reduce development costs and connect your entire deposit and transactional ecosystem. Connect with our extensive partner network to customise hyper-personalised banking experiences.

See Mambu in action

Join our monthly live demo for a behind the scene look of our cloud banking platform.

Customer stories

Examples of financial institutions using Mambu's Deposits Engine, including BancoEstado, TymeBank, Bank Islam, and N26.

• BancoEstado: Chile’s only state-owned bank, serving 13M customers.
• TymeBank: First bank in South Africa to receive a full banking license in almost 20 years.
• Bank Islam: Shariah-compliant bank designed around the customer.
• N26: First pan-European mobile-only bank serving more than 7 million customers worldwide.

Future-proof payments

Mambu now offers advanced payment capabilities alongside a powerful cloud-native banking platform, accelerating time to market for distinctive financial experiences. Unlock growth by launching new products and expanding geographically faster, eliminate hidden payment complexity and make your payments future-proof and ever-compliant.

Upgrade the way you manage payments

Grow your business on a future-proof payments infrastructure.

• Accelerate time-to-market: Launch new payment products and expand geographically faster.
• Multi-scheme, multi-bank
• Shorten integrations by up to 6x
• Easily add new payment methods
• Eliminate hidden payment complexity: Make payments instant, reliable, compliant and risk-free at scale
• Centralised, automated processing
• Simplified liquidity management
• Automated reconciliations
• Future-proof your payments: Benefit from fully-managed connectivity that ensures ongoing compliance.
• Multi-scheme connectivity
• Managed scheme compliance
• Bank-grade SLAs

Customer stories

Examples of customers using Mambu Payments Engine to achieve cost savings, faster integration, and scalable payment processing.

• Spendesk: 10 times less costly, 6 times faster integration, 4 million payments processed per year
• Alma: +22,000 merchants, 3 times faster implementation, -30% cost per payment

Seamless integration with world-class technology partners

Expand to new markets through scalable, low-code/no-code product configurations. Iterate and test with in-house resources and publicly available APIs to reduce development costs and connect your entire deposit and transactional ecosystem. Connect with our extensive partner network to customise hyper-personalised banking experiences.

• Scalable, low-code/no-code product configurations
• Publicly available APIs
• Extensive partner network for customisation

Start your payment transformation project

Get in touch with our team to start your payment transformation project. Contact form collects organization type, company name, contact details, and enquiry type.

• Contact form for various organization types and countries
• Option to receive communications about payments