A new digital bank for Poland's mobile-first customers

Raiffeisen Digital Bank, part of the Austrian-based Raiffeisen Bank International (RBI), leveraged Mambu to launch its greenfield bank in just 9 months.

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4: months to market

7: minutes credit decison

Cloud service provider

RAIFFEISEN DIGITAL BANK

About the customer

Raiffeisen Digital Bank (RDB) is the digital-first venture under the Raiffeisen Bank International (RBI) umbrella. RBI primarily operates brick-and-mortar banks with 17.2 million customers and 1699 business outlets across Eastern Europe.

RDB was established in 2021 with the goal of providing modern financial services to digitally-savvy customers in Poland.

Aiming to offer a seamless, secure, and user-friendly experience, RDB turned to Mambu to power their cloud-native digital bank solution.

The challenge

Overcoming legacy to embrace digital banking

RDB, part of RBI—a brand with a rich history of 135 years—needed to pivot from traditional, brick-and-mortar banking to a fully digital, cloud-native model.

The challenge was clear: digitise the banking experience without sacrificing security or customer-centricity. RDB recognised the rapid shift to digital banking and sought a platform that could enable swift market expansion, with the agility to scale and evolve quickly.

“We knew that only an advanced cloud-native technology would give us the competitive edge and the ability to reach new markets rapidly. With Mambu onboard, we can continue to steer towards bringing simplicity and convenience to our customers.”

- Jakub Malach, Head of Lending, Raiffeisen Digital Bank

The solution

Leveraging Mambu for rapid transformation

RDB chose Mambu's cloud-native lending engine, underpinned by Amazon Web Services (AWS) to power their greenfield digital bank. By leverging Mambu's composable architecture, RDB was able to focus on developing innovative, modern, and convenient financial solutions for a new generation of customers.

RDB’s in-house team collaborated closely with Mambu’s implementation and advisory teams to successfully implement the platform in just 6 months.

See their rollout plan

The result

Rapid launch and modern banking experience

Mambu’s fast, cost-effective implementation enabled RDB to launch quickly and expand into new markets in Eastern Europe. Since launching in 2021, RDB has explored Mambu’s daily banking features and integrated the Marqeta connector to streamline payment card authorisations.