The foundations of modern banking

Vault Core and Vault Payments are trusted and deployed by the world's top banks. Core banking and payments technology built natively for the cloud.
A modern core banking platform in the cloud

The Vault platform gives our clients full control to do, and build, anything they want. We designed the system from scratch to give our clients total choice, flexibility and power. The world's top banks have adopted the Vault platform as the foundation layer of their technology stack.

Trusted by

The best banks in the world trust and use our technology. We have amassed a global client list, ranging from Tier 1 multinationals, to smaller regional banks and fintech companies around the world. Many of these key banks are also our investors, including JPMorgan Chase, Lloyds Banking Group, ING, Standard Chartered, SEB, and Intesa Sanpaolo.

Intesa Sanpaolo
Al Rajhi Bank
Nikel
Transfer Go logo
Lloyds Banking Group logo
SEBx logo
Curve credit logo
Atom Bank logo
Standard Chartered logo
Man smiling whilst working in the Thought Machine office
Two people walking together, smiling, through the hallway of the Thought Machine office
Two male Thought Machine employees at their desks
Thought Machine employees gathered around a table discussing a topic
A beautiful Cocker Spaniel dog in the Thought Machine office
A group of Thought Machine employees having fun at a Pride event
Company

We have a unrelenting commitment to product excellence at Thought Machine. Our world-class engineers apply themselves to developing core banking technology that is truly unique in the scale of its ambition.

Many of our team come from leading technology companies, and bring with them best practice in software design and in building scalable cloud infrastructure. Our talent, combined with a fun and inclusive working environment, has created a culture we are proud of.

News and insights
The Integration Library: a growing collection of solutions with best-in-class technology vendors
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Introducing our Enablement Portal – a complete resource for support, knowledge and training on the Vault platform
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The Integration Library: a growing collection of solutions with best-in-class technology vendors
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Building a bank on top of kubernetes
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From speech technology to banking
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Strategic partnership with Lloyds Banking Group
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Cloud computing will save banks billions. Here's how
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A demand for COBOL expertise underlines the fragility of critical infrastructure
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Why are cloud systems so much more reliable?
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Life may have slowed down but innovation doesn’t!
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Building a core banking system in a distributed environment
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Strengthening our commitment to cloud native design
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Cloud Native - what does it mean? An interview with CNCF's Cheryl Hung
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Shaping the future of banking IT: We’ve joined the Banking Industry Architecture Network (BIAN)
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Why microservices are the future of banking
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GFT and Thought Machine forge strategic partnership to accelerate global banking transformation programmes
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Q&A with Nick Wilde, MD of Thought Machine Asia-Pacific
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How Thought Machine can unlock the cloud for banks with Red Hat OpenShift
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Round table: Meeting the challenge of a digital future
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How to go full cloud native with CockroachDB
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Meet our chair Andy Maguire
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Reimagining compliance on the journey of banking modernisation
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Reimagining compliance on the journey of banking modernisation
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Accelerating banking modernisation while staying in control
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Modern core banking debunked
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What defines a modern banking experience?
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Deliver modern customer experiences
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Decoupling the core from product configuration
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Turbocharging banking with real-time data
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What is cloud native, and how do we get there?
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The DNA of next-generation banking
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C6 Bank selects Vault Core to power the next phase of financial services innovation
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C6 Bank selects Vault Core to power the next phase of financial services innovation
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Trust Bank selects Thought Machine to power the first of Singapore’s new wave of digital banks
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Payset selects Thought Machine to bring next-generation financial services to UK and European markets
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UnionDigital Bank partners with Thought Machine to power its Digital Banking Platform
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Thought Machine inducted into JPMorgan Chase's 2022 Hall of Innovation
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Thought Machine wins Google Cloud’s Industry Solution Partner of the Year – Financial Services Award
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Thought Machine launches Vault Payments: a highly configurable cloud-native cards and payments processing platform
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M1 selects Thought Machine to power The Finance Super App™
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Thought Machine raises $160m in series D funding
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Together selects Thought Machine to modernise technology stack
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HD Bank announces strategic collaboration with Thought Machine to transform banking in Vietnam
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Magyar Bankholding selects Thought Machine to launch a digital-first bank
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Intesa Sanpaolo invests £40 million into Thought Machine and selects Vault Core to power new digital banking platform
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Thought Machine signs Mascoma Bank to take community banking into the cloud
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Al Rajhi Bank Malaysia selects Thought Machine to build a state-of-the-art Islamic digital bank
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Lunar selects Thought Machine to modernise its core banking system & accelerate roll-out of the Nordic’s next financial powerhouse
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New research finds nearly half of banks are missing key elements to build sustainable digital transformation strategies
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ING Bank Śląski selects Thought Machine and goes live with Vault Core to further enhance customer experience
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Thought Machine joins the Microsoft Azure ecosystem
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Thought Machine joins the Banking Industry Architecture Network
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The truth about cloud native core banking
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Transform banking. Transform core.
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The truth about cloud native core banking
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