In terms of Thought Machine... great team, great support, so far excellent. The people are very knowledgeable... we're learning from you guys.
Bancolombia
We saw an exciting opportunity to blend the excellent engineering standards of Thought Machine with our deep knowledge and understanding of banking. Our collaboration has been pivotal in bringing the first product to market. Our capacity to innovate is inspired by a shared commitment to building great things for our customers.
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We have worked with the best in the world, with Google and Thought Machine and built something that represents one of the components of the future of Intesa Sanpaolo. Thought Machine is, in the world of fintech, a world champion. By bringing them on board, we can demonstrate to investors that we are no longer a traditional bank but a technology champion.
Intesa Sanpaolo
Right from the start, we recognised a powerful alignment in how we and Thought Machine analyze problems. Beyond their deep expertise in banking and tech, they offer something unique: a Strategic Client Forum. Being able to openly discuss modernization, dilemmas, and solutions alongside the world's largest banks is a massive benefit—and something no other vendor provides.
Finubit
In terms of Thought Machine... great team, great support, so far excellent. The people are very knowledgeable... we're learning from you guys.
Bancolombia
Drawing on my extensive experience in the core banking market, I understand what defines a high-quality, next-generation platform. We selected Vault for its product excellence. It is cloud-native, highly configurable, and uniquely universal. Its innovative use of smart contracts lets us develop differentiated products efficiently and quickly. The exceptional engineering support and comprehensive documentation equip our team to leverage this groundbreaking technology.
Afin Bank
What global banks can achieve with Thought Machine
Accelerate time to market and unlock revenue
Build, test, and ship bespoke products at market speed using a fully programmable platform free from architectural bottlenecks.
Structural cost reduction
Significantly reduce total cost of ownership and eliminate expensive mainframe maintenance by consolidating redundant vertical silos into a single, clean infrastructure.
Customer experience that reflects your brand, not your limitations
Match and exceed fintech capabilities. Leverage continuous, instant data flows to serve tailored financial journeys that structurally lift engagement, drive retention, and eliminate friction.
Safe migration pathways
Modernise critical infrastructure with absolute confidence using a proven transition methodology that entirely removes big-bang deployment risks.
Overcoming legacy complexity at scale
While international tier 1 institutions command unmatched market presence, their potential is structurally restricted by deep-seated industry pain points and legacy limitations:
Disjointed mainframe architectures
Decades-old vertical silos don't communicate, trapping data, requiring manual processes, and forcing simple changes to undergo dozens of complex system updates.
Legacy vendor stranglehold
Traditional vendors exploit lock-in, leaving banks captive to unresponsive roadmaps and low R&D reinvestment while selling outdated technology.
Compromised system reliability
Scheduled downtime prevents true 24/7 availability, while aging mainframe talent pools create long-term operational risks.
Engineering stagnation
Maintaining legacy codebases hinders a bank's ability to attract top-tier engineering talent, driving an over-reliance on outsourced, project-by-project mindsets rather than platform ownership.
Vault Core & Vault Payments: Built for the world’s largest banks
Adopting our integrated infrastructure provides the operational leverage and architectural agility required by systematically important financial institutions.
Vault Core
A universal core banking engine designed to run every product and every line of business—Retail, Private, SME, and Corporate—out of a single instance.
Multi-processing groups
Run multiple distinct brands, legal entities, or global business lines out of a single instance.
Highly configurable smart contacts
Isolate financial logic from the core platform, allowing you to modify or launch any product without expensive vendor change requests or bespoke deployments.
High-volume accounts & advanced adjustments
Specialised architecture designed to handle massive offline posting traffic and automated backdated balance corrections.
Enterprise resiliency
Institutional-grade fault tolerance engineered for zero data loss, continuous availability, and rapid disaster recovery.
Vault Payments
A modular, scheme-agnostic payments platform built to handle complex orchestration across your entire global ecosystem.
Multi-core deployments
Connect seamlessly with Vault Core, or link with any number of external core banking systems to effortlessly orchestrate payments across your entire ecosystem.
Routing flexibility
Control payment gateway and scheme selection dynamically for each transaction based on speed, availability, cost, and custom rules.
Schemeless payments
Benefit from enhanced payment capabilities that complement the core, such as mandate management, standalone stand-in processing, and payee management.
Why the world’s largest banks partner with Thought Machine
Flexible, phased delivery
Our technology fits cleanly into your existing architecture without disruption. This allows for a step-by-step, incremental migration strategy that entirely removes traditional replatforming risks.
Product excellence
As AI, digital assets, and enterprise performance requirements rapidly evolve, we continuously reinvest in R&D to ensure your core infrastructure meets tomorrow's compliance and commercial demands.
Absolute platform independence
We provide complete architectural autonomy. You gain a long-term partner and true platform independence, meaning you can extend your bank and build new services without needing vendor permission.
Deep tier 1 domain expertise
Working with 20 of the world's largest national banks, more than any other next-generation competitor, our engineering and delivery teams possess the deep industry expertise required to ensure a seamless transition.
