Best Banking-as-a-Service Platforms in USA

One platform for banks who lead.

All our clients use the Temenos Banking Platform, benefiting from over 30 years of continual innovation. Our commitment to a single code base ensures that our market-leading R&D drives evolving banking functionality and enables our clients to work with modern technology and tools at any time. This combination helps banks to lead in their markets today and in the future.

Modular solutions, Extensibility Framework, AI infused, Security standards, Always upgradable, Cloud-native, cloud-agnostic.

• Modular solutions
• Extensibility Framework
• AI infused
• Security standards
• Always upgradable
• Cloud-native, cloud-agnostic

Our modular solutions aim to reduce the risks associated with core banking modernization, addressing transformation progressively. With centralized capabilities such as pricing, and DevOps-supportive tooling, the Temenos Banking Platform is the central hub for banks aiming to modernize quickly and securely, moving confidently towards a legacy-free environment.

We know that banks need to adapt solutions to meet their specific business, governance or regulatory needs. With automated testing, the Temenos Extensibility Framework enables easy and secure customizations. It allows clients and partners to extend APIs, data models, events, and business processes, making changes with less effort, and supporting DevOps practices.

Temenos AI enables banks to adopt AI with explainability, security, and safe deployment. Our patented XAI and GenAI offerings are deployment-agnostic, enhancing efficiency and profitability, and designed to help you to deliver personalized customer experiences for all banking segments.

The Temenos Banking Platform delivers secure software solutions, reflecting the “security everywhere” principle. Supported by our Secure Development Lifecycle approach, we apply international security methodologies and best practices such as OWASP and SANS. We also create, implement, and maintain security policies that comply with AICPA/SSAE18 SOC2 principles, supporting protection and adherence to industry standards.

We decouple technology and functionality, allowing you to upgrade your banking capabilities at your own pace while keeping up with evolving standards, including cloud-native technologies. With regular, automated updates, clients benefit from contemporary technology and functionality. With this future-proofed foundation, you can serve customers with evolving, packaged banking capabilities and easily upgrade to new technology across all deployment models.

As the banking industry accelerates its shift to the cloud, we continue to invest in cloud-native standards, delivering a platform with full banking functionality. It is available across various cloud platforms including AWS and Microsoft Azure, as well as Oracle Cloud, Huawei Cloud, and Google Cloud, in addition to SaaS.

• AWS
• Microsoft Azure
• Oracle Cloud
• Huawei Cloud
• Google Cloud
• SaaS

Customer testimonials from Commerce Bank, ABN AMRO, and Komerční Banka highlight the platform's ability to deliver innovation, stability, compliance, and advanced capabilities.

Fact sheets and reports on productivity, core capabilities, and sustainability.

• Workbench and Packager Fact Sheet
• Temenos Core Fact Sheet
• Sustainability Benchmark Report 2024

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.

Finacle partners with financial institutions to inspire better banking through cloud-native solutions and SaaS services, enabling banks to engage, innovate, operate, and transform better.

• Better Technology to unlock new possibilities
• Engage Better with customers, employees, and partners
• Innovate Better to create new value
• Operate Better to reduce costs and be sustainable
• Transform Better to stay relevant to market dynamics

Finacle delivers meaningful impact for clients worldwide, with measurable improvements in returns, cost, speed, digital sales, and customer satisfaction.

• 33% higher returns on assets
• 19% higher returns on capital
• 3.9% points lower cost-to-income ratio
• Over 19% improvement in speed of servicing customers
• Over 16% improvement in digital sales
• Over 19% improvement in Net Promoter Score (NPS)

Finacle's technology stack includes composable architecture, configurable experience stack, event-driven and API-first approach, automation-first design, integrated DevOps, robust data and AI foundations, advanced security, and cloud-native/neutral deployment.

• Composable Platform
• Configurable Experience Stack
• Event Driven and API First Approach
• Automation First Design
• Integrated and Seamless DevOps
• Robust Data and AI Foundations
• Advanced Security Architecture
• Cloud Native and Cloud Neutral

Finacle is consistently recognized as a leader in digital banking, payments, core banking, and virtual account management by top industry analysts.

• Leader in The Forrester Wave™: Digital Banking Processing Platforms, Q4 2024
• Leader in Datos Matrix: Virtual Account Management Providers, 2025
• Leader in IDC MarketScape: Worldwide Integrated Bank Payment Systems 2024
• Leader in Omdia Universe: Cloud-based Core Banking, 2023
• Leader in IDC MarketScape: Corporate Loan Origination and Lifecycle Management 2025

Finacle has enabled leading banks worldwide to modernize operations, accelerate digital transformation, and deliver innovative customer experiences.

• Emirates NBD consolidated operations for scalability and agility
• A global top 5 bank accelerated payments transformation
• Union Bank of India launched WhatsApp-based personalized banking
• Bank CTBC Indonesia adopted Finacle Digital Banking Solution on Cloud
• Uniting Financial Services, Australia subscribed to Finacle SaaS Suite on AWS

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.

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

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

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

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

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

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

Universal Product Engine provides unique flexibility and control in the design and build of new financial products by using smart contracts. Any product can be manufactured, from new innovative products, such as multi-currency accounts or bundled products, to replicating back book products created on legacy platforms. Enables safe migration of customers onto Vault Core from legacy platforms without disrupting their existing product set.

Smart contracts use developer-friendly code to build any financial product. They give banks complete control over product logic, providing flexibility and power in the design and build of new innovative products and replicating their existing back book. All financial product creation and changes are abstracted away from the platform via a configuration layer.

• Logic of a financial product is fully encapsulated, transparent, and described in smart contract code
• Smart contracts are written in developer-friendly code, enabling flexibility of design while exposing common functions via the Contracts API
• Financial logic is executed automatically at account lifecycle events or at specific times through hooks
• Logic is driven by parameters, enabling highly configurable custom products
• Financial logic can be changed and updated instantly and on demand via API

Vault Core comes with a full array of financial products already built, including market-standard products and innovative offerings. Supports Islamic banking and is shipped with a suite of base smart contracts. Product Library supports more than 30 countries.

• Mortgages: fixed-rate, variable-rate, tracker, offset, interest-only, repayment, remortgage, refinance, home equity, portable
• Loans: interest-only, home improvement, fixed-rate, bridging, car, personal, balloon, peer-to-peer, point-of-sale, renovation, education/student
• Deposits: current, EU classic, multi-currency, second chance, checking/transaction, savings, easy access, money market, high-yield, speciality, time/fixed-term
• Revolving credit: credit card, instalment line, charge card, balance transfer, revolving line
• Wallets: wallet, mobile wallet
• Shariah products: Shariah savings account

Banks can simulate the performance of any financial product before launch. Simulation allows banks and customers to see product behavior over its lifetime, accessible via the Core API.

• Simulate smart contract behavior over its lifetime
• Accessible as part of the Core API
• Customers can simulate product performance, removing need for separate illustration tools

SDK allows banks to build, test, and manage their product portfolio with an excellent developer experience. Enables rapid product launch and maintenance.

• Product-as-code for any configuration
• Out-of-the-box library of reusable business rules
• Create multiple product versions from a single smart contract
• No-code migration between products
• Bulk modification of smart contracts
• Real-time analytics for products and regulatory reporting

Vault Core's real-time Ledger gives banks complete control over data management. Strict separation between smart contract configuration and ledger. Supports any bank and product on a single ledger. All data is transmitted in and out in real time, providing rich data streaming for AI and reporting.

• Supports multiple banks, currencies, teams, branches, business lines
• Differentiates between ring-fenced and committed funds
• Flexible back-book migration and historical data ingestion
• No batch processing—transactions processed in real time
• Rich data streaming via Streaming API

All functionality and data are exposed through standard APIs for control, granularity, real-time access, and integration.

• Streaming API: real-time events via Kafka
• Migration API: Kafka-based, optimized for legacy data migration
• Posting API: manages all financial movements on accounts
• Core API: REST APIs for integration with external applications

Vault Core is cloud-native and can be deployed in the cloud provider of the bank's choice. Offers SaaS, bank-hosted (public, private, hybrid), and private cloud deployments.

• SaaS: fully managed, minimal admin overhead
• Bank-hosted: public, private, hybrid environments (Azure, AWS, GCP, IBM)
• Hybrid: sensitive data in private cloud, rest in public cloud
• Private cloud: Red Hat OpenShift, AWS Outposts, Azure Stack, Google Anthos

J.P. Morgan Payments is positioned as a partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more. The platform is designed to provide clarity and confidence over money movement for businesses.

The future of payments is being written in code. Technology and finance are increasingly intertwined, with builders creating fast, frictionless, and secure technologies powering payments.

Secure your payments, facilitate capital transfers, manage your accounts, or find the answer to your unique challenge. J.P. Morgan invests billions every year into technology and product development to help your business thrive.

• Accept Payments
• Process Payments
• Manage Funds
• Send Payments
• Embedded Finance
• Safeguard Information
• Client Service
• Developer

J.P. Morgan Payments solutions do more than process payments. They connect your business to the world, leveraging global scale and local expertise.

Every payment is an opportunity for growth, optimization, and innovation, whether your business is a large multinational or a small business enterprise.

• Corporates: End-to-end payment solutions and virtual account structures.
• Financial institutions: Cost efficiencies, automation, and digital customer experience.
• E-commerce: Agile, resilient solutions like J.P. Morgan Wallet.
• Small and medium-sized businesses: Flexible acceptance, fast funding, high security.

Case studies and client stories highlight how J.P. Morgan Payments helps clients like Paramount Pictures, Macy’s, and Caterpillar optimize payments, scale marketplaces, and manage working capital.

• Paramount Pictures: Streamlining global payments with cross-currency solutions.
• Macy’s Marketplace: Seamless payments to sellers.
• Caterpillar: Optimizing working capital and supply base resilience.

J.P. Morgan Payments provides insights and thought leadership on digital payments innovation, industry trends, and treasury management.

• Forecasting Payments
• Payments Unbound (bi-annual publication with WIRED)
• Saudi Arabia cash management
• Trends in Latin America

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