Mambu SaaS Core Banking Platform

Mambu provides a pure Software-as-a-Service (SaaS) core banking platform that is hosted solely in the cloud across all three of the major players: Amazon Web Services, Microsoft Azure, and Google Cloud Platform. Mambu’s cloud-based banking software is designed to help financial institutions manage, monitor & control financial transactions on a unified platform. The platform offers its clients a composable banking solution, which allows them to build, configure & deploy banking products & financial services based on customers' requirements. It enables banks to create & launch lending or deposit portfolios, handle transaction processing & store customer, account & transaction data in a centralised repository.

The Mambu Core Banking Engine is our singular core product that has both a lending and deposits engines. This system is the core ledger that supports customers, accounts and product configurations.

Product factory
Customers can create new products in minutes using the Mambu Product Factory, which consists of the lending and deposit configuration engines. Mambu customers use these engines to create new products using pre-defined parameters. To-date, our customers have successfully configured around 30,000 products within Mambu. The product factory for the majority of product configuration does not require coding/development. Available features can be enabled through configuration via GUI and/or API. For more information, please see https://support.mambu.com

Mambu is a true SaaS platform, in which all customers use the same version of the system and can take advantage of new product features as soon as they are released. Over time, Mambu adds new functionality to the system, and we always aim to do this in a way that does not break or interfere in any way with existing customer implementations. One of our core product principles is customisation via configuration. Instead of creating bespoke versions of the system for individual customers, we provide powerful configuration mechanisms to allow clients to configure the solution to work for their business products after implementation. Clients can achieve this via our UI or APIs using the Mambu Product Factory. This comprises the product configuration engines—lending engine and deposit engine—that Mambu customers use to create new products using pre-defined parameters.

Composable architecture
Mambu-based solutions are based around a composable, API-driven architecture. This composable approach advocates a collaborative banking solution ecosystem, created from a collection of loosely coupled software components, in which our customers can combine multiple best-for-purpose software solutions. Mambu as a core banking engine is partner or vendor-agnostic and can integrate with different partners through its open APIs. We have an ecosystem of partners covering the full range of banking integrations including origination and onboarding, credit decisioning, financial crime, CRM and payment processing. Please see our Partner Marketplace for more information: https://mambu.com/partners/marketplace

The key benefits of Mambu include:

• Rapid deployment: In many cases, financial institutions using Mambu have reported significant reductions in time-to-market for new products compared to traditional development approaches. Some simpler products can be deployed within days or weeks, while more complex offerings might take a few months. Overall, Mambu's Product Factory facilitates swift innovation and adaptation, allowing institutions to quickly respond to market opportunities and customer needs.
• Cost effectiveness: 30% savings on implementation and integrations, 35% reduction in costs for product customizations, and further savings on physical infrastructure and maintenance. This is driven by Mambu’s low-risk delivery model, API-first capabilities, UI-enabled configuration approach, and cloud-hosted agility. Source: Mambu Analysis of client results, Mambu commercial capability assessment.
• Customisation via configuration: Mambu provides a single code base for all clients, allowing zero-code configuration for products, processes, and data sets. Instant API access facilitates rapid changes, resulting in exceptionally quick time-to-market. There are no setup costs for customizations, and IT resource requirements for financial product management are reduced. Agile and MVP testing enables rapid testing of new propositions, reducing risk, speeding up processes, and increasing revenue per customer.
• SaaS servicing model: Mambu offers the platform as a fully managed application and infrastructure service. Continuous enhancements align with client needs and operating/commercial models, eliminating the risk of outdated/bespoke platforms. Mambu allows financial institutions to outsource the burden of core banking/lending system development and maintenance so they can focus on customer-centric offerings.
• Singular product focus: Mambu’s focus is on delivering utility core capabilities and acting as an enabler to innovation for its clients. Their clients have seamlessly connected with the best ecosystems for their target market, enabling market leadership and early adoption. Mambu offers a stable, mature core banking solution, reducing downtime risks and costs.