The intelligence gap in banking

Financial institutions are no longer just experimenting with AI, they're actively building autonomous agents to handle loan processing, customer onboarding, and fraud prevention, and more. The direction of travel is clear: 78% of organisations now use AI in at least one business function, up from 72% in early 2024 and 55% a year earlier (nCino, "AI Trends in Banking 2025: The Strategic Transformation of Financial Services"), and agentic AI tools are predicted to save 20–40% in software investments by 2028.(Deloitte, "FSI Predictions 2025") On top of that, agentic AI could unlock 40% productivity gains in core operations by automating multi-step workflows that previously needed significant human effort. (McKinsey & Company, insights on Agentic AI's impact on core banking operations and productivity)

But there's a critical gap.

Traditional core systems typically capture only a fragmented 20–30% view of your customer journey. That forces your teams into costly, manual processes to complete high-value workflows. And your AI agents? They're only as good as their access to the underlying systems, traditional APIs lack the contextual, executable framework agents need to make decisions and take action.

This is the problem the Mambu MCP solution solves, and a core part of what makes the Intelligent Core possible.

A universal adapter for AI and core banking

The Mambu MCP solution is built on the Model Context Protocol (MCP), an open-source standard introduced by Anthropic in November 2024. Think of MCP as a USB-C port for AI applications: one standardised connection that any AI agent or application can plug into, regardless of the platform it runs on.

By adopting MCP, Mambu gives your AI agents direct, structured access to core banking data and operations. The MCP solution acts as a universal adapter between your AI workflows and the Mambu APIs, abstracting raw banking APIs into structured tools that any agent can discover, understand, and execute.

No custom middleware. No vendor lock-in. No months-long integration projects.

Connect any LLM to Mambu in minutes, not development cycles.

Built for agent efficiency

We deliberately kept the tool surface minimal. Your AI agents only need two MCP tools to interact with Mambu:

• Search: uses semantic embeddings and keyword matching to interpret natural language queries, then returns the matching API operations with full parameter schemas.

• Invoke: executes the discovered operation against Mambu.

That's it. No need to map and understand 300+ operations. Agents discover what they need based on intent, and act on it. The less time your teams spend on integration, the more time they spend on the workflows that actually drive value.

Any AI platform. Your choice.

The Mambu MCP solution works with the AI tools your teams already use, or plan to build with:

• Claude (Anthropic)

• ChatGPT (OpenAI)

• Copilot Studio (Microsoft)

• Google Gemini via Agent Development Kit and Vertex AI

• Custom AI agents built on any LLM framework

One protocol. Every major AI platform. Your tooling, not ours.

What this looks like in practice

Once your AI workflows have native access to Mambu, the automation possibilities open up fast, across every team that touches core banking data.

• Customer onboarding: register clients, open accounts, and process initial funding in a single agent-driven flow, with no UI switching and no manual handoffs.

• Loan restructuring: pull real-time balances, repayment schedules, and arrears history on demand, then execute refinancing on the spot while the customer is still on the call.

• Credit risk management: assess portfolio exposure with live core banking data, updated in real time.

• KYC and AML / fraud detection: enrich compliance workflows with real-time account and transaction data, reducing manual review time.

• Reconciliation and reporting: automate data retrieval and cross-referencing, eliminating manual exports and spreadsheet-based workflows.

See it in action

The Onboarding Assistant: an orchestration agent handles the full end-to-end product origination flow. Via the Mambu MCP solution, it registers a new business client, opens a deposit account, and processes the initial funding transaction. No human intervention, no UI switching, no custom software integration.

The Employee Copilot: while an employee is on a customer call, an AI agent pulls real-time data from Mambu: outstanding balances, repayment schedules, arrears history. It builds a comprehensive customer profile directly in the chat interface, allowing the employee to assess eligibility and instruct the agent to restructure and disburse a loan on the spot.

Two scenarios. One takeaway: your teams work faster when AI and core banking speak the same language.

Security stays in your hands

AI access doesn't mean open access. The Mambu MCP solution operates within your existing security framework:

• Per-API access control: configure exactly which operations are available to which agents

• Standard Mambu authentication: your existing auth remains the authority at all times

• Centralised AI-governance layer (coming soon): a dedicated layer that adds granular access control, observability, and resilience across your AI workflows.

You stay in control. Your agents get the access they need, nothing more.

Why this matters strategically

The Mambu MCP solution isn't just a technical integration. It's a strategic shift in how you build with AI:

• Lower total cost of ownership: one robust MCP solution replaces dozens of custom API wrappers

• Faster time-to-value: connect AI workflows in minutes, not development cycles

• Future-proof architecture: MCP is an open protocol, so you're never locked into a single AI vendor

• Complete decoupling: you own the AI brain; Mambu provides the reliable banking nervous system

Ready to power agentic banking?

Mambu is building the foundation for the agentic era. Our MCP solution is the first layer of the Mambu Intelligent Core, giving you the power to lead your AI transformation on your own terms, securely connecting AI to the leading composable banking platform.