Mambu and Kobble provide complementary infrastructure that together covers the full stack behind a modern banking or card programme. Mambu supplies the cloud-native core banking and lending engine: accounts, deposits, lending and product configuration, delivered as composable SaaS. Kobble supplies the licensed issuing and payments layer that runs on top, operated under its own AFSL and AUSTRAC registration: Mastercard card issuing, BSB-enabled accounts, PayID and instant payment rails.

The combination removes the two hardest parts of launching a regulated financial product in Australia. Mambu removes the cost and rigidity of legacy core banking. Kobble removes the years and capital required to acquire the licences, scheme membership and rails that issuing and payments demand. APAC clients can integrate through both sets of APIs and stand up a fully regulated bank or card programme in weeks, operating under Kobble’s licences rather than holding their own.

For any venture launching or scaling a banking, lending or card product, whether a new entrant or an established business, this pairing is the strongest route to market: enterprise-grade core banking from Mambu, the full licensed issuing and payments stack from Kobble, both live in production.