- Lender

Ibercaja Banco
Ibercaja Banco, one of Spain’s most established financial institutions launches a new personal lending spin-off, targeting 200,000 new customers within five years, powered by Mambu’s cloud-native platform.
Ibercaja Banco, one of Spain’s most established financial institutions is set to launch a new personal lending spin-off, targeting 200,000 new customers within five years, powered by Mambu’s cloud-native platform.
IBERCAJA
Ibercaja Banco is one of the largest banking groups in Spain. Founded almost 150 years ago, the bank now serves 1.7 million customers through 888 branches and 5,087 employees, with a total business volume of €101.5 million. The bank operates its own comprehensive financial group, offering investment funds, pension plans, insurance, leasing, and renting solutions.
Directly supervised the European Central Bank (ECB) and a strong commitment to customer value, professionalism, and regional development, Ibercaja continues to evolve, combining its heritage of trust with modern financial innovation to support individuals and businesses across Spain.
Scaling consumer finance for the digital age
As one of Spain’s leading banking groups, Ibercaja has built a legacy of trust and regional commitment. But with consumers demanding faster, more flexible, and fully digital lending experiences the bank must modernise to stay ahead.
To do so, Ibercaja needed a flexible, cloud-native platform to modernise consumer finance, accelerate speed to market, and scale efficiently while seamlessly integrating with its existing infrastructure.
New personal lending platform powered by Mambu
By partnering with Mambu, Ibercaja is taking a pivotal step in transforming its consumer finance operations. To power this transformation, Ibercaja is launching a dedicated personal lending spin-off, built on Mambu’s composable, API-first platform, underpinned by Amazon Web Services (AWS).
The phased rollout will commence with Ibercaja Technology Solutions, a newly launched division dedicated to innovation in consumer finance and payments. This division will oversee the modernisation of Ibercaja’s legacy systems, ensuring they evolve to fully support the bank’s long-term goals.
Transforming consumer finance through the cloud
Ibercaja’s new personal lending spin-off, launching in early 2025, marks the first step in a phased transition to Mambu. This transformation will enable faster product launches, greater scalability, and a more agile approach to consumer finance, helping the bank reach 200,000 new customers within five years.
By leveraging Mambu’s composable, API-first architecture, Ibercaja plans to transition its entire consumer finance operations to the cloud through a staggered approach over the coming years.
“Our goal is to lead the Spanish consumer finance market through technological leadership and an exceptional customer experience. With Mambu's composable API-first platform and extensive partner ecosystem, we aim to reach 200,000 new customers within five years and later deliver future-ready, sustainable financial solutions to our existing customers.”
- Leandro Hermida Brañas, CIO of Ibercaja
Our lending platform is the first cloud-native, SaaS core solution created with scale, agility, ease of use and speed in mind, allowing you to design and launch lending products, at scale.