Driving financial accessibility in Aruba with Mambu
Founded over 40 years ago, Total Finance launched personal and auto loans, enhancing accessibility to financing while accelerating its digital transformation with Mambu’s core banking platform.
- years in finance
- customers served
TOTAL FINANCE
About the customer
Total Finance is a locally owned company invested in the local community of Aruba with over 40 years experience in the lending market. With 3 branches on the island they have specialised in providing personal loans and car loans, and strive to support their customers in achieving their financial goals with flexible and tailored lending options.
The South Caribbean lender’s vision is to provide innovative financial services to as many customers as possible in a socially responsible way, ensuring financial empowerment and sustainable growth for the community.
So far Total Finance has helped over 10,000 clients reach their financial goals.
The challenge
From legacy to scalable, cloud-based tech
As Total Finance aimed to expand its product offerings and improve operational efficiency, they recognised the limitations of their existing, monolithic software. The legacy system lacked the flexibility and scalability needed to support their growth and digital ambitions.
Total Finance needed a core banking system that would allow them to quickly launch and manage a broader range of services, while supporting their growth. The solution had to be cloud-based, scalable, and able to integrate with external services like payment providers and front-end systems.
The solution
A future-ready core banking platform
Total Finance chose Mambu’s cloud-native core banking platform, underpinned by Amazon Web Services (AWS), to support their digital transformation. The platform’s modular architecture provided the scalability and agility to launch their loan products quickly and efficiently, while ensuring the system could easily adapt to future product expansions.
Mambu’s ability to scale and integrate with other services made it the perfect solution for Total Finance’s immediate needs, while also positioning them for future growth as they look to launch new offerings, such as mortgages and credit cards.
The result
A successful launch setting the stage growth
In May 2025, Total Finance successfully went live with personal and auto loans on Mambu’s core banking platform. This milestone is a critical first step in their ongoing digital transformation, enabling them to offer these products to customers in a faster, more efficient way.
The switch to Mambu has not only allowed Total Finance to launch products more efficiently but also set the foundation for a more agile, data-driven organisation. By utilising Mambu, Total Finance is now able to enhance their customer experience, improve operational efficiency, and scale their offerings in response to growing demand.
“Our customers are at the heart of everything we do. With this new core banking system, we are taking a significant step toward modernizing our services and introducing financial solutions that bring real value to our customers' lives.”
- Ronald van Trigt, Managing Director, Total Aruba
Ready to reimagine lending?
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.
