A third-party provider you can trust

As the provider of a core banking system, Mambu acts as a vital service provider, supporting the critical and important functions of our clients. Even before DORA, this was a role we’ve always taken seriously, especially given the regulated environments our clients operate in and the nature of the data processed within Mambu. Our platform serves as the system of record for transactions and balances across a financial institution's loan and/or deposit accounts. Platform availability is therefore critical, as any disruption is felt immediately by our clients.

Fortunately Mambu’s approach to security and compliance means we are well prepared in responding to, and recovering from ICT disruptions, such as cyberattacks or system failures. We also have the following measures in place:

• Well-defined incident management process designed to discover threats quickly, mitigate them, and communicate the impact transparently.

• Dedicated teams and resources within Mambu to manage ICT risk, supported by a culture of resilience where security and operational continuity are shared responsibilities across our entire organisation.

• Contractual clauses to support applicable DORA requirements.

• Regular resilience testing and monitoring to validate our platform’s preparedness for disruptions and support quick recovery if incidents occur.

• Clear communication channels and processes to keep our clients informed of key updates during incidents, ensuring transparency and helping them maintain trust and confidence even when disruptions happen.
  

Composable as a solution

It’s not just the above measures that make Mambu a suitable and trustworthy third-party. Our composable approach is perfectly suited to addressing one of the biggest risks to a financial institution’s operational resilience: the complexity and unreliability associated with legacy systems.

The problems facing organisations are twofold:

1. Remaining on legacy systems that aren’t designed to meet modern security and resilience standards, increasing the risk of incidents and downtime.

2. Replacing everything at once, which can be costly, disruptive, and a source of operational risk.

Mambu’s composable approach can help get around these problems. It allows financial institutions to modernise critical systems incrementally, without the operational disruption that a big-bang replacement would involve.

Institutions who opt for a dual or multi-core architecture can even run legacy and modern systems like Mambu in parallel, contain failures, and gradually migrate workloads without interrupting their day-to-day operations. This approach aligns with the concept of the ‘back-up bank’ which was discussed by Lourens Bordewijk, Partner, Deloitte Netherland in June 2025.

Conclusion

Meeting the demands of DORA requires more than just compliance checklists - it needs a mindset of proactive resilience. Financial institutions need to think ahead, anticipate potential disruptions, and embed operational continuity across systems, processes, and culture.

Our composable approach, combined with our robust security and incident management processes, can help banks and financial institutions meet these requirements, while maintaining trust and confidence with their customers.