{"pageProps":{"data":{"global":{"fallbackCoverImages":{"newArticle":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newEvent":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newPodcast":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newPress":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newReport":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newWebinar":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newWhitepaper":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg"},"footer":{"column":[{"_key":"37bf61536743","_type":"menuColumn","heading":"Technology","links":[{"_key":"d69d61a70528","_type":"simpleMenuItem","label":"Our platform","url":"/cloud-banking-platform"},{"_key":"576d2223fe4c","_type":"simpleMenuItem","label":"Lending","url":"/lending"},{"_key":"b49086eadbdc","_type":"simpleMenuItem","label":"Deposits","url":"/deposits"},{"_key":"fe414608b39982df35bf244bb0330339","_type":"simpleMenuItem","label":"Payments","url":"/payments"},{"_key":"044561f7d8d4","_type":"simpleMenuItem","label":"Services","url":"/professional-services"},{"_key":"e34b8f07069e","_type":"simpleMenuItem","label":"Customers","url":"/customers"},{"_key":"88ab9feb411a","_type":"simpleMenuItem","label":"Partners","url":"/partners"}]},{"_key":"fdf64524af64","_type":"menuColumn","heading":"Company","links":[{"_key":"ffbd8063e15d","_type":"simpleMenuItem","label":"About","url":"/about-us"},{"_key":"b7cc607cc103","_type":"simpleMenuItem","label":"Modern Slavery Statement","url":"https://cloud.mambu.com/hubfs/2026/Website/Modern_Slavery_Statement_-_2025.pdf"},{"_key":"f94278581f32","_type":"simpleMenuItem","label":"Careers","url":"/careers"},{"_key":"35d588df645b","_type":"simpleMenuItem","label":"Our offices","url":"/offices"},{"_key":"726ee01b6a7a043f91fcf0f460cf744b","_type":"simpleMenuItem","label":"SpeakUp","url":"/legal/speaking-up"},{"_key":"93b4b567b0b2","_type":"simpleMenuItem","label":"Contact us","url":"/contact-us"}]},{"_key":"48930aa06263","_type":"menuColumn","heading":"Insights","links":[{"_key":"ce1b7da6e8aa","_type":"simpleMenuItem","label":"Events","url":"/insights/events"},{"_key":"2bad81ebccfd","_type":"simpleMenuItem","label":"Articles","url":"/insights/articles"},{"_key":"f80903ef7369","_type":"simpleMenuItem","label":"News","url":"/insights/press"},{"_key":"e256b1214879","_type":"simpleMenuItem","label":"Webinars","url":"/insights/webinars"},{"_key":"acd063a84aa31e419221e72a39e5dd13","_type":"simpleMenuItem","label":"Reports","url":"/insights/reports"}]},{"_key":"b63d67107622","_type":"menuColumn","heading":"Developers","links":[{"_key":"386c4c7a1c12","_type":"simpleMenuItem","label":"Mambu support","url":"https://support.mambu.com/"},{"_key":"8ccf2c6cc260","_type":"simpleMenuItem","label":"Mambu User Guide","url":"https://support.mambu.com/docs"},{"_key":"ec79ae715839","_type":"simpleMenuItem","label":"API Reference","url":"https://api.mambu.com/"},{"_key":"ed7d9dfc859e","_type":"simpleMenuItem","label":"Mambu ecosystem","url":"https://ecosystem.mambu.com/"},{"_key":"a37080fecd92","_type":"simpleMenuItem","label":"Mambu status","url":"https://status.mambu.com/"}]}],"social":[{"_key":"ef3edb2d3a1e","href":"https://www.linkedin.com/company/mambu/","label":"linkedin"},{"_key":"85152abe4b9b","href":"https://www.youtube.com/@mambucloud","label":"youtube"}]},"marketingPopup":{"_createdAt":"2022-05-24T12:34:04Z","_id":"marketingPopup","_rev":"kSDTQUYiAFgPG9Reu2hbTY","_type":"marketingPopup","_updatedAt":"2024-12-19T10:15:47Z","allowList":["/cloud-banking-platform","/composable-approach","/customers","/banks","/neobanks","/lenders","/fintechs","/telcos","/ecommerce","/cloud-lending-software","/deposits"],"enabled":false,"formContent":[{"_key":"9d27e9f7d120","_type":"block","children":[{"_key":"bf2a5aa5fd0f0","_type":"span","marks":[],"text":"Wondering how Mambu can help you get products to market faster, improve your business agility and elevate your customer experience?"}],"markDefs":[],"style":"normal"},{"_key":"967b5041c783","_type":"block","children":[{"_key":"7886d3effec60","_type":"span","marks":[],"text":"We have all that covered in our live demo session. Join us as we walk through the Mambu platform, tour the partner ecosystem and show you why Mambu is the only true SaaS platform trusted by hundreds of financial businesses around the world."}],"markDefs":[],"style":"normal"}],"formHeading":"Register for our demo","formId":"2cbe9eaf-9812-43ec-a3ec-12cc3a928d03","introductionContent":[{"_key":"a023881925fb","_type":"block","children":[{"_key":"246aad1f5d5c0","_type":"span","marks":[],"text":"Join us as we walk through the Mambu platform, tour the partner ecosystem and we can show you why Mambu is the only true SaaS platform trusted by hundreds of financial businesses around the world."}],"markDefs":[],"style":"normal"}],"introductionHeading":"👋 See our product in action","language":"en","showOnDelay":false,"showOnScroll":false,"successAction":"redirectToUrl","successUrl":{"_type":"slug","current":"/live-demo"},"urlFiltering":"blockAll"},"navigation":{"mainMenuButtons":[{"_key":"210813a91838","_type":"menuButton","backgroundColour":"#ffffff","backgroundHoverColour":"#808080","label":"Book a demo","textColour":"#4FB545","url":"/live-demo"},{"_key":"18577516d46c","_type":"menuButton","backgroundColour":"#4FB645","backgroundHoverColour":"#808080","label":"Contact us","textColour":"#ffffff","url":"/contact-us"}],"menu":[{"_key":"25a4ea986510","_type":"menuDropdown","dropdownFeature":[{"_key":"b0cb9aa25913","_type":"menuDropdownFeature","background":"#ffffff","beforeRichText":[{"_key":"39ab1e203e81","_type":"block","children":[{"_key":"f9ace6f7848c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h0"},{"_key":"674af2d59ec4","_type":"newImage","alignment":"left","file":{"asset":{"_ref":"image-40ea1fc7849fea943f53785d8b6f610313e83e97-617x622-svg","_type":"reference"},"crop":null,"height":25.202593192868722,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/40ea1fc7849fea943f53785d8b6f610313e83e97-617x622.svg","width":25},"imageRounding":"rounded-none","imageSize":25,"paddingBottom":"none","paddingSide":"none","paddingTop":"none"},{"_key":"d87449474867","_type":"block","children":[{"_key":"08a3f7a6b5ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"subtitle-semibold"},{"_key":"a83f154e9729","_type":"block","children":[{"_key":"d9a4e7e4cc80","_type":"span","marks":["9ed132c1db71","teal"],"text":"Book a demo"}],"markDefs":[{"_key":"9ed132c1db71","_type":"linkBasic","href":"/live-demo"}],"style":"subtitle-semibold"}],"beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"showOnMobile":false,"style":"color","textTheme":"default"}],"dropdownGrid":[{"_key":"9e7228755224","_type":"menuDropdownGrid","leftSectionLinks":[{"_key":"f5d3d22eef55","firstLevelLinks":[{"icon":"CoreBankingGreen","label":"Core","links":null,"url":"/cloud-banking-platform"},{"icon":"ComposableAdvantage","label":"Payments","links":null,"url":"/payments"},{"icon":"AiNav","label":"Agentic","links":null,"url":"/agentic"}],"heading":"Intelligent Core","url":null},{"_key":"2fc1725dca35","firstLevelLinks":[{"icon":"CoreCapabilities","label":"Composable advantage","links":null,"url":"/composable-banking"},{"icon":"IntegratedSolutions","label":"Cloud services","links":null,"url":"/cloud-services"},{"icon":"IntegrationAndOrchestration","label":"Integration and orchestration","links":null,"url":"/integration-and-orchestration"},{"icon":"StoredValueAccounts","label":"Security and compliance","links":null,"url":"/security-and-compliance"}],"heading":"More","url":null}],"mobileMenuButtons":null,"rightSectionLinks":[{"_key":"68401b246613","firstLevelLinks":[{"icon":"ConsumerLending","label":"Consumer lending","links":null,"url":"/consumer-lending"},{"icon":"BusinessBanking","label":"Business lending","links":null,"url":"/business-lending"},{"icon":"PurchaseFinance","label":"Purchase finance","links":null,"url":"/purchase-finance"},{"icon":"RetailMortgages","label":"Retail mortgages","links":null,"url":"/retail-mortgages"}],"heading":"Lending","url":"/lending"},{"_key":"c4b764ce9fa3","firstLevelLinks":[{"icon":"PersonalBankingAndDeposits","label":"Consumer banking & deposits","links":null,"url":"/consumer-banking-and-deposits"},{"icon":"BusinessBanking","label":"Business banking & deposits","links":null,"url":"/business-banking-and-deposits"},{"icon":"StoredValueAccounts","label":"Stored value accounts","links":null,"url":"/stored-value-accounts"}],"heading":"Deposits","url":"/deposits"},{"_key":"201419ad0d48","firstLevelLinks":[{"icon":"People","label":"Payments hub","links":null,"url":"/payments-hub"},{"icon":"UniversalGateway","label":"Universal gateway","links":null,"url":"/universal-gateway"},{"icon":"VOP","label":"Verification of Payee","links":null,"url":"/verification-of-payee"},{"icon":"BankNetwork","label":"Bank coverage","links":null,"url":"/bank-coverage"}],"heading":"Payments","url":"/payments"},{"_key":"c8ee7153edfb","firstLevelLinks":[{"icon":"Islamic","label":"Islamic funding","links":null,"url":"/islamic-funding"},{"icon":"Islamic","label":"Islamic financing","links":null,"url":"/islamic-financing"}],"heading":"Islamic Banking","url":"/islamic-banking"}]}],"dropdownLayout":"grid","label":"Platform","url":null},{"_key":"8013af096d0fbcd01dddd82b0646a5b2","_type":"menuDropdown","dropdownFeature":[{"_key":"958c14e349bf","_type":"menuDropdownFeature","background":"#212121","beforeRichText":[{"_key":"916057b574ec","_type":"block","children":[{"_key":"94099fd502da","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h0"},{"_key":"8f1940390341","_type":"newImage","alignment":"left","file":{"asset":{"_ref":"image-5607068d6239ec1eec43a773cf461f2f5ef4424f-279x169-png","_type":"reference"},"crop":null,"height":151.43369175627242,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/5607068d6239ec1eec43a773cf461f2f5ef4424f-279x169.png","width":250},"imageRounding":"rounded-sm","imageSize":250,"paddingBottom":"pb-2 s:pb-4 m:pb-6","paddingSide":"px-1 s:px-2 m:px-3","paddingTop":"pt-2 s:pt-4 m:pt-6"},{"_key":"3ea66e3672fa","_type":"block","children":[{"_key":"e600d37ba7ef","_type":"span","marks":[],"text":"\n\nCustomer stories"}],"markDefs":[],"style":"h5-semibold"},{"_key":"167693429c47","_type":"block","children":[{"_key":"c9219d79cd2f","_type":"span","marks":[],"text":"Real growth stories from the world's leading financial innovators.\n\n"}],"markDefs":[],"style":"body-s"},{"_key":"ab88721f8c10","_type":"block","children":[{"_key":"7ed0bffa75b6","_type":"span","marks":["c2bf8a56100e"],"text":"Learn more >"}],"markDefs":[{"_key":"c2bf8a56100e","_type":"linkBasic","href":"/customers"}],"style":"body-semibold"}],"beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":{"asset":{"_ref":"image-aee6bae2b0d3bd0a0928addba8d64faffeae991d-640x457-svg","_type":"reference"},"height":457,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/aee6bae2b0d3bd0a0928addba8d64faffeae991d-640x457.svg","width":640},"offsetX":0,"offsetY":0},"showOnMobile":false,"style":"transparent","textTheme":"white"}],"dropdownLayout":"columns","dropdownSections":[{"_key":"ab6f49d01cb9","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"17751236cd80","label":"Banks","links":null,"url":"/banks"},{"_key":"cb001cb66dbb","label":"Neobanks","links":null,"url":"/neobanks"},{"_key":"d03bb96d5b46","label":"Lenders","links":null,"url":"/lenders"},{"_key":"bb7f9f5f3280","label":"Fintechs","links":null,"url":"/fintechs"},{"_key":"215b9890c745","label":"Non-financial institutions","links":null,"url":"/non-financial-institutions"},{"_key":"49a7f080b51f","label":"Credit Unions","links":null,"url":"/credit-unions"}],"heading":"By segment","url":null},{"_key":"8bb9eb21106551ba23b29d5eacd8365b","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"db076c1c1482","label":"Banking-as-a-service","links":null,"url":"/banking-as-a-service"},{"_key":"b9a9c559798c","label":"Buy Now, Pay Later","links":null,"url":"/buy-now-pay-later"},{"_key":"39ad96946f36","label":"Embedded finance","links":null,"url":"/embedded-finance-solutions"}],"heading":"By use case","url":null}],"label":"Solutions","mobileMenuButtons":null,"url":null},{"_key":"5c41c7cbc099","_type":"menuItem","dropdownLayout":null,"label":"Customers","url":"/customers"},{"_key":"0a566ffa4e2a","_type":"menuDropdown","dropdownFeature":[{"_key":"cd10a990f874","_type":"menuDropdownFeature","background":"#212121","beforeRichText":[{"_key":"8f4f78616795","_type":"block","children":[{"_key":"e141ea0a2ca4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h0"},{"_key":"bfc6d456eeda","_type":"newImage","alignment":"left","file":{"asset":{"_ref":"image-ecffdd95e42ef49172060dc2df95074d7d2eeb4e-48x48-svg","_type":"reference"},"crop":null,"height":50,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/ecffdd95e42ef49172060dc2df95074d7d2eeb4e-48x48.svg","width":50},"imageRounding":"rounded-sm","imageSize":50,"paddingBottom":"pb-2 s:pb-4 m:pb-6","paddingSide":"px-1 s:px-2 m:px-3","paddingTop":"pt-2 s:pt-4 m:pt-6"},{"_key":"5a4403da23c3","_type":"block","children":[{"_key":"519af94b7066","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h0"},{"_key":"401d0f586994","_type":"block","children":[{"_key":"5361b82390db","_type":"span","marks":[],"text":"\nPartner Portal"}],"markDefs":[],"style":"h5-semibold"},{"_key":"f45e785186f8","_type":"block","children":[{"_key":"10bf3ad9cc2d","_type":"span","marks":[],"text":"Access the tools and resources you need to scale your business with us. \n\n"}],"markDefs":[],"style":"body-s"},{"_key":"ef72c832e554","_type":"block","children":[{"_key":"4383a8cbce6f","_type":"span","marks":["d671f6c5f272"],"text":"Log in >"}],"markDefs":[{"_key":"d671f6c5f272","_type":"linkBasic","href":"https://partners.mambu.com"}],"style":"body-semibold"}],"beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":{"asset":{"_ref":"image-aee6bae2b0d3bd0a0928addba8d64faffeae991d-640x457-svg","_type":"reference"},"height":457,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/aee6bae2b0d3bd0a0928addba8d64faffeae991d-640x457.svg","width":640},"offsetX":0,"offsetY":0},"showOnMobile":false,"style":"transparent","textTheme":"white"}],"dropdownLayout":"columns","dropdownSections":[{"_key":"4645d7900151","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"7db4a1d63f32","icon":"PartnerEcosystem","label":"Partner ecosystem","links":null,"url":"/partners"},{"_key":"467b23e535cfab496297b06b452c425c","icon":"IntegratedSolutions","label":"Integrated solutions","links":null,"url":"/partner-ecosystem-integrated-solutions"},{"_key":"811b1c81d3cb","label":"Partner finder","links":null,"url":"/partner-finder"}],"heading":"Our Partners","url":null}],"label":"Partners","mobileMenuButtons":null,"url":null},{"_key":"b3d1fc068efa","_type":"menuDropdown","dropdownFeature":[{"_key":"1ccfe737156b","_type":"menuDropdownFeature","background":"#ffffff","beforeRichText":[{"_key":"cc08193393fe","_type":"block","children":[{"_key":"5e91d43bf94c","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"h0"},{"_key":"6df1d474f377","_type":"newImage","alignment":"left","file":{"asset":{"_ref":"image-e9d757ac08cd5e09a8e1e9c3be1cce106805287d-48x48-svg","_type":"reference"},"crop":null,"height":48,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/e9d757ac08cd5e09a8e1e9c3be1cce106805287d-48x48.svg","width":48},"imageRounding":"rounded-sm","imageSize":48,"paddingBottom":"pb-2 s:pb-4 m:pb-6","paddingSide":"px-1 s:px-2 m:px-3","paddingTop":"pt-2 s:pt-4 m:pt-6"},{"_key":"c49c51e71654","_type":"block","children":[{"_key":"0c87abf8562a","_type":"span","marks":[],"text":"\nWant to join our team?"}],"markDefs":[],"style":"h5-semibold"},{"_key":"6927a4cffb2b","_type":"block","children":[{"_key":"c229cd4a729f","_type":"span","marks":[],"text":"Start your journey with Mambu."}],"markDefs":[],"style":"body-s"},{"_key":"d531c398aa34","_type":"block","children":[{"_key":"48fb0ce03144","_type":"span","marks":[],"text":"\n\n"},{"_key":"7c860c1a3897","_type":"span","marks":["8192b4be42b8"],"text":"See open positions >"}],"markDefs":[{"_key":"8192b4be42b8","_type":"linkBasic","href":"/careers"}],"style":"body-semibold"}],"beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":{"asset":{"_ref":"image-17caa27cb39abfc195fe593bb367cab50c6745d3-615x366-png","_type":"reference"},"height":366,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/17caa27cb39abfc195fe593bb367cab50c6745d3-615x366.png","width":615},"offsetX":0,"offsetY":0},"showOnMobile":false,"style":"color","textTheme":"white"}],"dropdownLayout":"columns","dropdownSections":[{"_key":"0f38cd5b9296","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"09986fa57c80","label":"Articles","links":null,"url":"/insights/articles"},{"_key":"9c9a26aa9a86e650bb49e10c003a8f1d","label":"Events","links":null,"url":"/insights/events"},{"_key":"9d23f3863cda0216867b8aa83565171c","label":"Reports","links":null,"url":"/insights/reports"},{"_key":"de7752932ca802cee4f5d27402332891","label":"Webinars","links":null,"url":"/insights/webinars"},{"_key":"fd7de5e59a18","label":"All insights","links":null,"url":"/insights"}],"heading":"INSIGHTS HUB","url":null},{"_key":"77533ccb8f2e","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"d6e66489d865","label":"Documentation","links":null,"url":"https://docs.mambu.com/"},{"_key":"f5b57963cb68","label":"Release notes","links":null,"url":"https://docs.mambu.com/docs/"},{"_key":"f68a98b89066","label":"Community","links":null,"url":"https://community.mambu.com/"},{"_key":"136a99f3a7dc","label":"Status","links":null,"url":"https://status.mambu.com/"}],"heading":"SUPPORT","url":null},{"_key":"eab4a302251b","_type":"menuDropdownSection","firstLevelLinks":[{"_key":"0ec56acedf3e","label":"About us","links":null,"url":"/about-us"},{"_key":"ce631cb59baf","label":"Our offices","links":null,"url":"/offices"},{"_key":"9ed992bfe43f","label":"Diversity & inclusion","links":null,"url":"/diversity-and-inclusion"},{"_key":"986c3a1ba32f","label":"Your career","links":null,"url":"/careers"},{"_key":"fce3ef9f4faf","label":"Press room","links":null,"url":"/insights/press"}],"heading":"COMPANY","url":null}],"label":"Resources","mobileMenuButtons":null,"url":null}],"topMenu":[{"_key":"47d3c571adc1","_type":"menuItem","label":"Support","url":"https://docs.mambu.com/"},{"_key":"7c15cbfe1787","_type":"menuItem","label":"Careers","url":"/careers"}]},"seo":{"description":"Mambu is the true SaaS, cloud core banking platform powering financial innovators around the world.","ogImage":{"alt":null,"asset":{"_ref":"image-50fc476a52db004cea5c960dcfd8a13fdf7df1d5-2600x1460-png","_type":"reference"}},"title":"Mambu | Cloud core banking platform","url":"https://mambu.com/"}},"page":{"_id":"7f3516bd-b1a4-4c9b-aa34-b79ac3550567","_type":"newArticle","language":"en","metadata":{"author":"Mambu Communications","category":"Trends","collection":null,"publishDate":"2026-07-21T07:29:00.000Z"},"navPresence":null,"navigation":"Full","pageStatus":"public","sections":[{"_key":"ea1f70474fe6","_type":"headerSection","background":{"_key":null,"_type":"sectionBackground","baseLayer":{"_type":"richBackground","bottomOverlay":false,"bottomOverlayColor":"#FFFFFF","bottomOverlayHeight":10,"bottomOverlayType":0,"image":{"asset":{"_ref":"image-e8e83a29b45c0524528e620d6257f3bd4bfceefa-1440x524-svg","_type":"reference"},"height":524,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/e8e83a29b45c0524528e620d6257f3bd4bfceefa-1440x524.svg","width":1440},"offsetX":0,"offsetY":0,"scaling":false,"topOverlay":false,"topOverlayColor":"#FFFFFF","topOverlayHeight":10,"topOverlayType":0},"color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"cards":[{"_key":"ace3376642c67ab7abfc031b4d3633b4","_type":"richTextCard","alignment":"left","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"431325f51376","_type":"newImage","alignment":"left","alt":"article tag","file":{"asset":{"_ref":"image-f541df98ecca80abb342c56c1158ee9be2138ada-82x26-svg","_type":"reference"},"crop":null,"height":25.365853658536587,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/f541df98ecca80abb342c56c1158ee9be2138ada-82x26.svg","width":80},"imageRounding":"rounded-none","imageSize":80,"paddingBottom":"none","paddingSide":"none","paddingTop":"none"},{"_key":"d590be2ac7a9","_type":"block","children":[{"_key":"329821a357b2","_type":"span","marks":["semibold"],"text":"Banks are splitting into two AI classes"}],"markDefs":[],"style":"h1"},{"_key":"014084c4ad18","_type":"block","children":[{"_key":"9ad8e51a1285","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b36ff46f1070","_type":"block","children":[{"_key":"93ebd994912f","_type":"span","marks":[],"text":"Why your infrastructure decides your AI future"}],"markDefs":[],"style":"h3"},{"_key":"8ca7d7ed00c2","_type":"block","children":[{"_key":"540289c30a9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2cd23dc75876","_type":"block","children":[{"_key":"2313d9954284","_type":"span","marks":["semibold"],"text":"Insights by Zaf Argyropoulos"}],"markDefs":[],"style":"normal"},{"_key":"18202aad69f4","_type":"block","children":[{"_key":"ceb0811864f8","_type":"span","marks":["grey"],"text":"21 July 2026"},{"_key":"372d1ddd5fd8","_type":"span","marks":["grey","semibold","strong"],"text":"  "}],"markDefs":[],"style":"body-s"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"Rich text card","style":"transparent","textTheme":"default"}],"columnCenterAlign":null,"padding":{"_type":"sectionPadding","bottom":"sm","side":"none","top":"lg"},"sectionId":"1ct2vEOavU","studioLabel":"Header section","textTheme":"default"},{"_key":"be4e4d023e70","_type":"columnsSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"columnCenterAlign":true,"columns":[{"_key":"eade6d1ddd336cddfe10ad5035f8a3bc","_type":"columnSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"cards":[{"_key":"3302adc3b8ab","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"3e9eb7585b1c","_type":"block","children":[{"_key":"a35f0bf07558","_type":"span","marks":["semibold","em"],"text":"Executive summary"}],"markDefs":[],"style":"normal"},{"_key":"9d1a256823ef","_type":"block","children":[{"_key":"cce934705ab0","_type":"span","marks":["em"],"text":"Banking is experiencing a two-speed AI divergence, with large institutions deploying revenue-focused initiatives while smaller banks are still experimenting with basic use cases like summarising documents and researching. This structural divide exposes smaller institutions to critical operational risks, demanding to move away from bolted-on AI layers. Mambu's Intelligent Core enables agentic operations at scale, giving AI agents the real-time data access and decisioning power they need to operate autonomously within the core itself."}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"Rich text card","style":"transparent","textTheme":"default"},{"_key":"c2b8366af0e3","_type":"imageCard","alignment":"center","alt":"line","background":"#ffffff","backgroundBlur":"enabled","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","hasZoomEnabled":false,"hoverImage":null,"image":{"asset":{"_ref":"image-69b3b642ea9b875cfce264fa63382337cad4eff3-862x1-svg","_type":"reference"},"height":0.11600928074245939,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/69b3b642ea9b875cfce264fa63382337cad4eff3-862x1.svg","width":100},"imageSize":100,"padding":"disabled","rounding":"enabled","slideAnimation":"disabled","studioLabel":"Image card","style":"transparent","textTheme":"default"}],"columnWidth":8,"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"studioLabel":"Column Section","textTheme":"default"}],"padding":{"_type":"sectionPadding","bottom":"sm","side":"none","top":"sm"},"pageFilterEnabled":false,"sectionId":null,"studioLabel":"Intro Section","textTheme":"default"},{"_key":"cec34a5394f1801e71aa2422590ffada","_type":"columnsSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"columnCenterAlign":true,"columns":[{"_key":"eade6d1ddd336cddfe10ad5035f8a3bc","_type":"columnSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"cards":[{"_key":"2a1493b4496c","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"009a00cfe816","_type":"block","children":[{"_key":"a6cc9c7befa3","_type":"span","marks":["teal"],"text":"Banking's two-speed AI race"},{"_key":"5372e6f6051e","_type":"span","marks":[],"text":"\n\n"}],"markDefs":[],"style":"h2"},{"_key":"b2491ae00d06","_type":"block","children":[{"_key":"eb8720419381","_type":"span","marks":[],"text":"Everyone is talking about how quickly AI is advancing. But after sitting down with our customers, industry experts, and AI founders, I wanted to look deeper at a more pressing question: where is the value actually concentrating, and who is going to capture it?"}],"markDefs":[],"style":"normal"},{"_key":"7e5f84051e23","_type":"block","children":[{"_key":"25f9a7569b2b","_type":"span","marks":[],"text":"What I notice is that financial institutions are diverging sharply on how they adopt AI. Tier 1-2 institutions are moving with conviction. They have already bypassed pilots into executing against specific value targets. These institutions also expect most of that value to come from revenue-focused initiatives rather than cost-cutting measures."}],"markDefs":[],"style":"normal"},{"_key":"3bc4dcffee3c","_type":"block","children":[{"_key":"009d1603d0cf","_type":"span","marks":[],"text":"\nMeanwhile, tier 3 and smaller banks are largely still experimenting with AI tools. Their AI activity is focused on more basic use cases such as, summarising documents and doing research. While trying to address internal risk and compliance concerns, they aim to deploy agentic solutions in the next 18-24 months."}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"Banking's two-speed AI race","style":"transparent","textTheme":"default"},{"_key":"3b419d301a1d","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"9bfe5fa70ebf","_type":"block","children":[{"_key":"3495feb6c6c5","_type":"span","marks":["teal"],"text":"A structural divide in vendor strategy"}],"markDefs":[],"style":"h2"},{"_key":"d2a7a2c68fe4","_type":"block","children":[{"_key":"f945fc959171","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"a866a85ad375","_type":"block","children":[{"_key":"4553f53b06e7","_type":"span","marks":[],"text":"The second point that came up repeatedly in my conversations was that the larger banks are building their own model-agnostic AI infrastructure and agentic workflows. They are delivering value directly across the banking stack, starting from the back and middle office."}],"markDefs":[],"style":"normal"},{"_key":"98599b3d37ff","_type":"block","children":[{"_key":"088c5d245d5f","_type":"span","marks":[],"text":"Smaller institutions don't have that option. They're working with tighter budgets and smaller teams and don’t have capacity and resources to own capabilities that are not critical to them. Instead, they predominantly look to buy solutions that are available in the market and help them address internal deficiencies."}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"A structural divide in vendor strategy","style":"transparent","textTheme":"default"},{"_key":"1e6ded67bbc9","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"6a1cc690a482","_type":"block","children":[{"_key":"65b240136b21","_type":"span","marks":["teal"],"text":"The sovereign AI inflection"}],"markDefs":[],"style":"h2"},{"_key":"911a9ad55cc5","_type":"block","children":[{"_key":"a1aef9fef4bb","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"9d3984568ed5","_type":"block","children":[{"_key":"8abd03541d1f","_type":"span","marks":[],"text":"One thing I didn't expect to come up as much as it did - is sovereign AI. While larger banks can invest in locally-hosted alternatives, smaller institutions don’t have that potential. Their dependency on non-European LLM providers exposes them to operational risk. What happens to a retail bank that shifts its call center from humans to AI agents and there is a sudden price hike? How can a commercial bank compensate for top-tier model restrictions if those are vital in rewriting their codebase or enabling its banking operations?"}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"The sovereign AI inflection","style":"transparent","textTheme":"default"},{"_key":"8298a20fb948","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"fc7bba9c6b5b","_type":"block","children":[{"_key":"ed9a7562305b","_type":"span","marks":["teal"],"text":"The infrastructure gap is the strategy gap"}],"markDefs":[],"style":"h2"},{"_key":"6caf3b872e87","_type":"block","children":[{"_key":"73d554610621","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"85c669a8e062","_type":"block","children":[{"_key":"677b07125424","_type":"span","marks":[],"text":"When you tie all of these threads together, everything comes back to architecture. While workarounds can work in the short term, the institutions moving fastest are the ones whose core systems can actually support rapid change. "},{"_key":"42fa78c9ce3a","_type":"span","marks":["3459d32660c6"],"text":"Banking at the speed of AI"},{"_key":"9253ab24fbee","_type":"span","marks":[],"text":" requires a true SaaS foundation. It needs clean accessible data, APIs with streaming notifications, accessible via MCP server so agents can act without rigid integrations, and orchestration capability."}],"markDefs":[{"_key":"3459d32660c6","_type":"link","href":"/banking-at-the-speed-of-ai"}],"style":"normal"},{"_key":"b88fd6c0cd74","_type":"block","children":[{"_key":"83e7ac659eed","_type":"span","marks":[],"text":"By putting all that together the core transforms from a system of record to a system of engagement, enabling human operators to complete repetitive tasks and get answers within seconds to questions like \"Help me summarise a client's position with the bank as I'm about to speak with them about their banking needs\" or \"Why was customer X charged the fee last week?\""}],"markDefs":[],"style":"normal"},{"_key":"f43c53b14a24","_type":"block","children":[{"_key":"e8c24fb74043","_type":"span","marks":[],"text":"For smaller banks to survive the AI race, they must bridge the infrastructure gap with guided composability, choosing a foundation built for continuous evolution. Banking at the speed of AI starts with building on a foundation designed for it."}],"markDefs":[],"style":"normal"},{"_key":"1c11fd48feaa","_type":"block","children":[{"_key":"51cefd782b48","_type":"span","marks":[],"text":"This is exactly why Mambu developed "},{"_key":"1bef1db86152","_type":"span","marks":["f3f1d616065b"],"text":"Intelligent Core"},{"_key":"6eacbee83821","_type":"span","marks":[],"text":". Instead of forcing you to build a messy, separate AI layer bolted on top of legacy tech, Mambu provides a native banking infrastructure that can receive, interpret, and act on AI signals in real time."}],"markDefs":[{"_key":"f3f1d616065b","_type":"link","href":"/insights/articles/intelligent-core-banking-ai"}],"style":"normal"},{"_key":"2a8d65976a6d","_type":"block","children":[{"_key":"c7b80f3ebdda","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"The infrastructure gap is the strategy gap","style":"transparent","textTheme":"default"}],"columnWidth":8,"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"studioLabel":"Column Section","textTheme":"default"}],"padding":{"_type":"sectionPadding","bottom":"none","side":"none","top":"none"},"pageFilterEnabled":false,"sectionId":null,"studioLabel":"Body Section","textTheme":"default"},{"_key":"4756bcc327e4","_type":"columnsSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"columnCenterAlign":true,"columns":[{"_key":"10824799275d","_type":"columnSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"cards":[{"_key":"50235d442f63","_type":"richTextCard","alignment":"center","background":"#ffffff","backgroundBlur":"enabled","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"enabled","padding":"enabled","richTextField":[{"_key":"ee7a373e8595","_type":"newImage","alignment":"center","file":{"asset":{"_ref":"image-69f49be67435d38f43a9777cbf8b013df659556d-512x512-png","_type":"reference"},"crop":null,"height":300,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/69f49be67435d38f43a9777cbf8b013df659556d-512x512.png","width":300},"imageRounding":"rounded-sm","imageSize":300,"paddingBottom":"pb-2 s:pb-4 m:pb-6","paddingSide":"px-1 s:px-2 m:px-3","paddingTop":"pt-2 s:pt-4 m:pt-6"},{"_key":"3c479ea13067","_type":"block","children":[{"_key":"f5bc4ca3f07a","_type":"span","marks":["semibold","centerAlign"],"text":"Zaf Argyropoulos, Senior M&A Director"}],"markDefs":[],"style":"h5"},{"_key":"173801716432","_type":"block","children":[{"_key":"6154d53767a1","_type":"span","marks":["centerAlign"],"text":"Zaf works closely with our commercial and product teams, as well as being in regular touch with customers, other financial institutions and industry experts to better understand industry trends, customer needs and devise strategies to address those."}],"markDefs":[],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"Rich text card","style":"color","textTheme":"default"}],"columnWidth":8,"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"studioLabel":"Column Section","textTheme":"default"}],"padding":{"_type":"sectionPadding","bottom":"none","side":"none","top":"none"},"pageFilterEnabled":false,"sectionId":null,"studioLabel":"Author Section","textTheme":"default"},{"_key":"cccf14ca90525fd7cc77bb6a010870f2","_type":"columnsSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"columnCenterAlign":true,"columns":[{"_key":"eade6d1ddd336cddfe10ad5035f8a3bc","_type":"columnSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"cards":[{"_key":"4b01136e4f43","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":{"asset":{"_ref":"image-34434df64eb435473404edf3a9e88740b98a0b4f-862x339-svg","_type":"reference"},"height":339,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/34434df64eb435473404edf3a9e88740b98a0b4f-862x339.svg","width":862},"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"enabled","padding":"enabled","richTextField":[{"_key":"df9e9943486e","_type":"block","children":[{"_key":"f5fdd454157c","_type":"span","marks":["centerAlign"],"text":"Curious how "},{"_key":"e0d4a4e61167","_type":"span","marks":["centerAlign","2f2fae221a22"],"text":"Mambu’s Intelligent Core "},{"_key":"36cd434cfa0c","_type":"span","marks":["centerAlign"],"text":"can support your business goals? "}],"markDefs":[{"_key":"2f2fae221a22","_type":"link","href":"/banking-at-the-speed-of-ai"}],"style":"h3"},{"_key":"e9583f5a528a","_type":"block","children":[{"_key":"104b502a9d65","_type":"span","marks":["centerAlign","4377f1628539","ccd81d8c4425"],"text":"Get in touch"},{"_key":"46e13b76035b","_type":"span","marks":["centerAlign","ccd81d8c4425"],"text":" "},{"_key":"d3a754e61643","_type":"span","marks":["centerAlign"],"text":"with one of our experts for a conversation"}],"markDefs":[{"_key":"4377f1628539","_type":"linkBasic","href":"/contact-us"},{"_key":"ccd81d8c4425","_type":"link","href":"/contact-us"}],"style":"normal"}],"rounding":"enabled","slideAnimation":"disabled","studioLabel":"Rich text card","style":"transparent","textTheme":"white"}],"columnWidth":8,"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"studioLabel":"Column Section","textTheme":"default"}],"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"pageFilterEnabled":false,"sectionId":null,"studioLabel":"CTA Section","textTheme":"default"},{"_key":"626427d0d107171194177b02bbd7995f","_type":"columnsSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"columnCenterAlign":true,"columns":[{"_key":"eade6d1ddd336cddfe10ad5035f8a3bc","_type":"columnSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"cards":[{"_key":"5fa32d462063","_type":"socialShareCard","alignment":"stretch","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"coverImage":null,"dropShadow":"disabled","padding":"enabled","rounding":"enabled","slideAnimation":"disabled","studioLabel":"Social share card","style":"transparent","textTheme":"default"}],"columnWidth":8,"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"studioLabel":"Column Section","textTheme":"default"}],"padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"pageFilterEnabled":false,"sectionId":null,"studioLabel":"Social share Section","textTheme":"default"}],"seo":{"canonical":null,"description":"Banking's AI divide: tier 1 banks building agentic operations while smaller institutions lag. Why real-time infrastructure is critical for both.","noIndex":null,"ogDescription":"Banking's AI divide: tier 1 banks building agentic operations while smaller institutions lag. Why real-time infrastructure is critical for both.","ogImage":"https://cdn.sanity.io/images/0k2k2bbv/production/8461b7634639d31f38801bfaf1b9daf91ea1be02-1300x730.png","ogTitle":"Agentic banking: Why bolted-on AI fails","title":"Agentic banking: Why bolted-on AI fails | Mambu"},"slug":"banks-are-splitting-into-two-ai-classes","studioLabel":null,"surveyRef":null,"title":"Banks are splitting into two AI classes"}},"languages":[{"language":"en","slug":"banks-are-splitting-into-two-ai-classes"}],"preview":false,"draftMode":false,"store":{"forms":[],"feeds":{},"fallbackCoverImages":{"newArticle":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newEvent":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newPodcast":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newPress":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newReport":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newWebinar":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg","newWhitepaper":"image-2fb65ede425d2d3357c2a7ce73ec0c304284f4b5-648x432-jpg"},"pageId":"7f3516bd-b1a4-4c9b-aa34-b79ac3550567"},"botVariant":true},"__N_SSG":true}