Financial institutions today are under pressure to deliver more intelligent experiences, connect to more payment networks, and automate more of the operational work that sits between systems, all without compromising on resilience, security, or control.

Our cloud-native, API-driven core banking platform was built to absorb that kind of change. Over the past quarter, we have extended our platform where it matters most to our customers right now: new AI capabilities layered onto our AI-ready core, deeper payment connectivity through Swift, and tighter automation across the lending and payments lifecycle.

Just as composable banking liberated financial institutions from the constraints of legacy systems a decade ago, agentic banking is now pushing those limits even further. The question for financial institutions is no longer whether to adapt to AI, but how their infrastructure can support the shift.

The Mambu Intelligent Core makes this possible. It extends our cloud-native, API-driven platform with native AI capabilities, so institutions can operate at the speed of AI without rebuilding what they already have.

In Q2, the first foundational building blocks are landing in the Mambu platform:

• Model Context Protocol (MCP) solution: A universal adapter between AI agents, models and workflows and the Mambu platform and APIs.

• MCP governance: A dedicated governance layer that regulates granular access, provides observability, and enforces deterministic guardrails over AI outputs.

• AI-powered Insights: Agents that run automatically on your data to identify opportunities and risks, and provide context-specific guidance across your portfolio and customer data.

Mambu powers banking at the speed of AI with its Intelligent Core bringing AI agents, autonomous workflows and real-time intelligence to banking operations and financial institutions globally.

Connecting AI agents to a core banking platform has, until now, meant custom middleware, bespoke integrations, and vendor lock-in. The Mambu Model Context Protocol (MCP) solution removes that overhead by turning core banking APIs into structured, discoverable tools that any large language model or AI agent can invoke directly, using the open MCP standard.

For financial institutions, this means:

• Universal connectivity: Any LLM or AI agent can plug into Mambu through one open, standardised connection. No custom middleware, no vendor lock-in.

• Zero infrastructure overhead: Lengthy custom integration projects are replaced with a single connection that works across any AI platform.

• Agent-ready operations: AI agents can execute real banking workflows directly against your core, from onboarding and account opening to loan restructuring and reconciliation.

For most institutions, accessing Swift’s network has historically meant operating a standalone Swift infrastructure or relying on a service bureau. Both add cost and complexity. Mambu is now a certified Swift Business Connect provider, offering fully managed Swift connectivity through our Payments Hub.

With Swift Business Connect, institutions can:

• Connect with 12,000+ Swift members by exchanging payment messages through FIN, FileAct, and InterAct, without operating their own Swift infrastructure.

• Leverage Swift’s Value-Added Services such as Swift GPI for real-time payment tracking and Case Management for structured investigations.
  Orchestrate cross-border payments by sending and receiving MX and MT messages alongside local schemes, all within the Payments Hub.
  
  

We are deepening the native integration between our Lending and Payments engines to give institutions a single, coordinated flow across the full lending payments lifecycle.

With pre-built workflows, institutions leveraging Mambu’s Lending engine and Payments Hub can now automate disbursements, collections, and repayments. Lending-related payment movements are triggered, executed, and tracked through one coordinated flow, with consistent behaviour, clearer visibility, and fewer handoffs across teams and systems.

For institutions operating at scale, this means:

• End-to-end control across your core platform, lending and payments

• Fewer reconciliation gaps with payment disbursements and repayments always kept in sync with the loan state in the core.

• Production-grade lifecycle support for collections, restructures, and complex repayment scenarios.

As a result, financial institutions can scale their lending books with greater confidence and control.

The next era of banking is intelligent, composable, and globally connected. The work we have shipped over the past few months, from the first building blocks of the Intelligent Core to deeper payment connectivity and tighter lifecycle automation, is the foundation that makes that future real for our customers.

While these highlights offer a glimpse into what’s new in our platform, we have also delivered critical updates across our Deposits, Mortgages, Cards, and Islamic Banking offerings, alongside significant enhancements to our capabilities for Credit Unions, Data Services, and core Platform capabilities.

For current Mambu customers ready to explore these features in detail, we invite you to consult our release notes, visit our documentation, or reach out to your Customer Success Manager for personalised guidance.