Companies building payment products or processing large volumes of payments as part of their operations often cannot rely on usual bank connectivity solutions. Their bank's web app or vendor's cash management system introduce technical, functional, and scalability limitations. The alternative is a direct integration with their banks that enables them to automate their payment operations from their in-house systems.

Although highly scalable and secure, banks’ direct connectivity solutions can be complex to understand and integrate, even for the most skilled product and engineering teams. They can also be a significant de-focus on a roadmap already filled.

At Mambu Payments, we have built more than 10 bank integrations over the last 12 months. This first-hand experience has enabled us to learn the specificities of every bank we have integrated with and refine our integration model over time. We now have a scalable process and a powerful bank integration engine that enables us to connect most banks to the platform in a fraction of the time it took to develop our first integration.

This article shares our learnings on the challenges of building direct bank integrations. We also outline how Mambu Payments can help accelerate bank integration projects, prepare companies for the future, and transform high upfront investment costs into predictable variable costs.