Mambu Core Banking Platform from Mambu

Cloud-native, API-driven composable banking platform allowing rapid product development, flexible configuration, automated workflows, real-time processing, comprehensive accounting, integrated risk management, and scalable cloud architecture.

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Product analysis by function

Core Banking Systems for Retail Banking

Central processing systems that manage daily banking operations, including account management, transaction processing, and customer information.
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Core Banking Features
(11 Yes /12 Known /12 Possible features)

Customer Management
(10 Yes /11 Known /11 Possible features)

Lending and Credit Management
(10 Yes /12 Known /12 Possible features)

Digital Channels Integration
(11 Yes /12 Known /12 Possible features)

Payment Capabilities
(11 Yes /12 Known /12 Possible features)

Security and Compliance
(12 Yes /13 Known /13 Possible features)

Technology Architecture
(9 Yes /13 Known /13 Possible features)

Reporting and Analytics
(10 Yes /12 Known /12 Possible features)

Integration Capabilities
(11 Yes /12 Known /12 Possible features)

Implementation and Support
(9 Yes /14 Known /14 Possible features)

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Account Management Ability to create, modify, and close different types of customer accounts (checking, savings, term deposits)		Mambu supports creation and management of various account types including checking, savings, and term deposits as part of its core account management functionality.
Transaction Processing Processing of deposits, withdrawals, transfers, and other financial transactions with proper logging		The platform provides real-time transaction processing with full transaction logging, which is central to its core banking capabilities.
Transactions Per Second Maximum number of financial transactions the system can process per second	No information available
Interest Calculation Automated calculation and application of interest for deposit and loan accounts		Mambu offers automated interest calculation and application for both deposit and loan accounts with flexible configuration options.
Batch Processing Ability to handle end-of-day/month batch processes for account updates and reconciliation		The platform supports end-of-day/month batch processing for account reconciliation and updates.
Multi-Currency Support Support for accounts and transactions in multiple currencies		Mambu provides multi-currency support allowing customers to manage accounts in different currencies.
Fee Management Configuration and automated application of various banking fees and charges		The platform includes configurable fee management capabilities for various banking fees and charges.
Standing Instructions Setup and management of recurring payments and automated transfers		Standing instructions and recurring payments are supported as part of Mambu's account management functionality.
Account Statements Generation of periodic account statements with transaction history		Account statement generation with transaction history is a standard feature of the platform.
Overdraft Facilities Management of overdraft limits, fees, and authorization		Mambu supports overdraft management including limits, fees, and authorization processes.
Dormant Account Handling Automated identification and management of inactive accounts		The platform includes automated identification and management of dormant accounts.
Product Configuration Flexibility to define and modify banking products and associated rules		Mambu's composable architecture allows for flexible product configuration and modifications to banking products and rules.

Customer Information Management Comprehensive customer profile management including demographics, contact details, and preferences		The platform includes comprehensive customer information management with profile management capabilities.
KYC Documentation Storage and verification of Know Your Customer documents and identification		Mambu supports KYC document storage and verification processes.
Customer Due Diligence Risk assessment and enhanced due diligence for high-risk customers		The platform provides customer due diligence capabilities including risk assessment for high-risk customers.
Customer Onboarding End-to-end workflow for customer acquisition and account opening		Mambu offers end-to-end customer onboarding workflows for account opening and acquisition.
Customer Segmentation Ability to categorize customers based on various attributes for targeted services		Customer segmentation based on various attributes is supported for targeted services.
Customer Service History Tracking of customer interactions, complaints, and resolutions		The platform includes tracking of customer interactions, complaints, and resolutions.
Relationship Pricing Application of special rates or fee waivers based on customer relationships		Relationship pricing for special rates or fee waivers is supported based on customer relationships.
Household/Group Management Linking and managing customers that belong to the same household or business group		Mambu allows for managing customers in household or business groups.
Customer Profitability Analysis Calculation and reporting of customer-level profitability metrics		The platform supports customer profitability analysis with reporting metrics.
Customer Data Storage Capacity Maximum number of customer profiles the system can efficiently store and manage	No information available
360-Degree Customer View Consolidated view of all customer relationships, products, and interactions		Mambu provides a 360-degree customer view with consolidated information about customer relationships, products, and interactions.

Loan Origination End-to-end process for loan application, approval, and disbursement		The platform offers end-to-end loan origination processes for application, approval, and disbursement.
Credit Scoring Automated assessment of creditworthiness based on predefined criteria		Mambu includes automated credit scoring based on predefined criteria.
Credit Limit Management Setting and monitoring credit limits for various lending products		Credit limit management for various lending products is supported.
Loan Servicing Management of loan repayments, amortization schedules, and restructuring		Mambu provides loan servicing including management of repayments, amortization schedules, and restructuring.
Collateral Management Recording and valuation of collateral against secured loans		The platform supports collateral management with recording and valuation capabilities for secured loans.
Delinquency Management Tracking and handling of overdue payments and collections		Delinquency management for tracking and handling overdue payments and collections is included.
Loan Loss Provisioning Calculation and management of provisions for potential loan losses		Mambu supports loan loss provisioning with calculation and management capabilities.
Flexible Interest Rates Support for various interest rate types (fixed, variable, tiered) and calculation methods		The platform offers flexible interest rates including fixed, variable, and tiered rates with various calculation methods.
Early Repayment Handling Processing of partial or full early loan repayments with appropriate fee calculations		Mambu supports early repayment handling with appropriate fee calculations.
Maximum Loan Types Number of different loan product types the system can support simultaneously	No information available
Loan Portfolio Size Maximum size of loan portfolio the system can efficiently manage	No information available
Regulatory Compliance Reporting Generation of lending-related regulatory reports (e.g., HMDA in the US)		The platform includes regulatory compliance reporting capabilities for lending-related reports.

API Banking Comprehensive set of APIs for integration with first and third-party applications		Mambu is API-driven with a comprehensive set of APIs for integration with first and third-party applications.
API Calls Per Second Maximum number of API calls the system can handle per second	No information available
Mobile Banking Integration Ready connectors or interfaces for mobile banking applications		The platform provides ready connectors for mobile banking application integration.
Internet Banking Integration Support for online banking platforms with real-time account information		Mambu supports internet banking platform integration with real-time account information.
ATM Network Integration Interfaces for ATM networks with transaction processing capabilities		The platform offers ATM network integration with transaction processing capabilities.
Branch Automation Integration with branch systems for teller operations and customer service		Mambu provides branch automation integration for teller operations and customer service.
Contact Center Integration Interfaces for customer service representatives to access and manage customer accounts		The platform includes contact center integration for customer service representatives.
POS/Merchant Integration Support for point-of-sale transactions and merchant management		Mambu supports POS/merchant integration for transactions and merchant management.
Open Banking Compliance Alignment with open banking standards and regulations for third-party access		The platform is aligned with open banking standards and regulations for third-party access.
Channel Consistency Consistent customer experience and data across all channels		Mambu provides consistent customer experience and data across all channels.
Digital Onboarding Fully digital customer acquisition process integrated with core banking		The platform offers fully digital customer onboarding processes integrated with core banking.
SDK Availability Software development kits for custom integration development		Mambu provides SDKs for custom integration development.

Real-time Payments Support for instant payment schemes (e.g., RTP, FedNow, UK Faster Payments)		The platform supports real-time payments for instant payment schemes.
SWIFT Connectivity Integration with SWIFT network for international payments		Mambu offers SWIFT connectivity for international payments.
ACH Processing Automated Clearing House batch payment processing		The platform includes ACH processing for batch payments.
Wire Transfer Management Processing and monitoring of high-value wire transfers		Mambu supports wire transfer management for high-value transfers.
Payment Routing Intelligent routing of payments through optimal channels based on cost, speed, etc.		The platform offers intelligent payment routing through optimal channels.
Payment Formatting Support for various payment message formats (ISO 20022, ISO 8583, etc.)		Mambu supports various payment message formats including ISO 20022 and ISO 8583.
Payment Screening Sanctions and AML screening for outgoing and incoming payments		The platform includes payment screening for sanctions and AML compliance.
Payment Reconciliation Automated matching and reconciliation of payment transactions		Mambu provides automated matching and reconciliation of payment transactions.
Payment Gateway Integration Connections to third-party payment gateways and processors		The platform supports payment gateway integration with third-party processors.
Maximum Payment Volume Maximum number of payments the system can process per day	No information available
Payment Tracking End-to-end visibility of payment status throughout the transaction lifecycle		Mambu offers end-to-end payment tracking throughout the transaction lifecycle.
Bulk Payment Processing Ability to process large volumes of payments in bulk with proper controls		The platform supports bulk payment processing with proper controls.

Data Encryption Encryption of data at rest and in transit using industry standards		Mambu uses industry-standard data encryption for data at rest and in transit.
Role-based Access Control Granular access permissions based on user roles and responsibilities		The platform provides role-based access control with granular permissions.
Maker-Checker Controls Dual control mechanism requiring separate users for transaction creation and approval		Mambu supports maker-checker controls requiring separate users for transaction creation and approval.
Audit Logging Comprehensive logging of all system activities for audit purposes		The platform includes comprehensive audit logging of all system activities.
Fraud Detection Real-time monitoring and alerting for suspicious transactions		Mambu offers real-time monitoring and alerting for suspicious transactions.
AML Compliance Anti-Money Laundering monitoring and reporting capabilities		The platform includes AML compliance monitoring and reporting capabilities.
KYC/CDD Support Tools for Know Your Customer and Customer Due Diligence processes		Mambu provides tools for KYC and Customer Due Diligence processes.
Regulatory Reporting Generation of mandatory reports for regulatory authorities		The platform generates mandatory reports for regulatory authorities.
PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards		Mambu adheres to PCI DSS standards for payment card data security.
Multi-factor Authentication Support for various authentication methods beyond username/password		The platform supports multi-factor authentication beyond username/password.
Log Retention Period Maximum duration for which system logs are retained for audit and compliance	No information available
Data Masking Obfuscation of sensitive customer information for unauthorized users		Mambu includes data masking capabilities for sensitive customer information.
Biometric Authentication Support Integration capabilities with fingerprint, facial recognition, or other biometric authentication methods		The platform supports biometric authentication integration.

Cloud Compatibility Ability to deploy and operate in cloud environments (public, private, hybrid)		Mambu is cloud-native with compatibility for various cloud environments (public, private, hybrid).
Microservices Architecture Modular design using microservices for flexibility and scalability		The platform uses microservices architecture for flexibility and scalability.
Database Technology Type and capabilities of the underlying database system		Mambu utilizes modern database technology for its underlying system.
Uptime Guarantee Percentage of time the system is guaranteed to be operational	As a cloud-native platform, Mambu typically offers high availability with uptime guarantees of 99.9% or better.
Disaster Recovery Comprehensive DR capabilities with minimal data loss and downtime		The platform includes comprehensive disaster recovery capabilities with minimal data loss and downtime.
Recovery Time Objective Maximum acceptable time to restore system functionality after a failure	No information available
Recovery Point Objective Maximum acceptable data loss measured in time	No information available
Horizontal Scalability Ability to add more instances to handle increased load		Mambu supports horizontal scalability by adding more instances to handle increased load.
Vertical Scalability Ability to add more resources (CPU, memory) to existing instances		The platform offers vertical scalability by adding more resources to existing instances.
Containerization Support for container technologies like Docker and Kubernetes		Mambu supports containerization with Docker and Kubernetes.
System Response Time Average time taken to respond to user requests under normal load	No information available
DevOps Integration Support for continuous integration/deployment pipelines		The platform supports DevOps integration with CI/CD pipelines.
Multi-tenant Architecture Ability to serve multiple business entities from a single installation		Mambu has multi-tenant architecture capabilities serving multiple business entities from a single installation.

Standard Reports Pre-built reports for common banking operational needs		The platform includes pre-built reports for common banking operational needs.
Number of Standard Reports Quantity of out-of-the-box reports included with the system	No information available
Custom Report Builder Tools for creating and customizing reports without programming		Mambu provides custom report building tools without programming requirements.
Regulatory Reporting Reports designed to meet specific regulatory requirements		The platform offers regulatory reporting designed to meet specific requirements.
Real-time Dashboards Visual displays of key metrics updated in real-time		Mambu includes real-time dashboards with key metrics updated in real-time.
Data Warehouse Integration Ability to feed banking data to enterprise data warehouses		The platform supports data warehouse integration for enterprise data warehouses.
Data Export Capabilities Options for exporting data in various formats (CSV, Excel, PDF, etc.)		Mambu offers data export capabilities in various formats (CSV, Excel, PDF).
Business Intelligence Tools Built-in or integrated BI capabilities for data analysis		The platform includes business intelligence tools for data analysis.
Scheduled Reporting Ability to schedule automated report generation and distribution		Mambu supports scheduled reporting with automated generation and distribution.
Report Generation Speed Average time to generate complex reports with large datasets	No information available
Historical Data Access Access to archived data for reporting and analysis		The platform provides access to archived data for reporting and analysis.
Predictive Analytics Advanced analytics capabilities for forecasting and customer behavior prediction		Mambu offers predictive analytics capabilities for forecasting and customer behavior prediction.

API Gateway Central point for managing APIs with security and monitoring		The platform includes an API gateway for managing APIs with security and monitoring.
Number of Standard APIs Quantity of pre-built APIs available for integration	No information available
ESB/Middleware Integration Compatibility with enterprise service buses or middleware platforms		Mambu supports ESB/middleware integration with enterprise service buses.
File-based Integration Support for file transfers and batch processes		The platform includes file-based integration support for file transfers and batch processes.
Real-time Integration Capability for real-time synchronous communication with other systems		Mambu provides real-time integration capabilities for synchronous communication with other systems.
Third-party Fintech Integration Pre-built connectors for common fintech solutions		The platform offers pre-built connectors for common fintech solutions.
Regulatory System Integration Interfaces with regulatory reporting systems and infrastructure		Mambu supports interfaces with regulatory reporting systems and infrastructure.
Card Management System Integration Connectivity with card issuing and processing platforms		The platform provides connectivity with card issuing and processing platforms.
Integration Workflow Tools Visual tools for designing and managing integration processes		Mambu includes visual tools for designing and managing integration processes.
Integration Security Security features specific to external system connections		The platform has robust security features specific to external system connections.
Message Transformation Ability to convert data formats between systems		Mambu supports message transformation for converting data formats between systems.
Integration Monitoring Tools for monitoring the health and performance of integrations		The platform includes tools for monitoring the health and performance of integrations.

Implementation Methodology Structured approach to system implementation and deployment		Mambu uses a structured implementation methodology for system deployment.
Average Implementation Time Typical timeframe for full system implementation	Average implementation time is 4-9 months.
Configuration Tools User-friendly tools for system configuration without coding		The platform provides user-friendly configuration tools without coding requirements.
Data Migration Tools Utilities for transferring data from legacy systems		Mambu includes data migration tools for transferring data from legacy systems.
Training Materials Comprehensive documentation and training resources		The platform offers comprehensive documentation and training resources.
User Training Hours Hours of training included in standard implementation	No information available
Support SLA Service level agreements for technical support and issue resolution		Mambu provides service level agreements for technical support and issue resolution.
Critical Issue Response Time Maximum time to respond to severity 1 issues	No information available
User Community Active community of users for knowledge sharing		The platform has an active user community for knowledge sharing.
Release Frequency Frequency of new version releases with enhancements	No information available
Sandbox Environment Availability of test environments for development and training		Mambu provides sandbox environments for development and training.
Implementation Partner Network Ecosystem of certified implementation partners		The platform has an ecosystem of certified implementation partners.
Localization Capabilities Ability to adapt to local languages, regulations, and business practices		Mambu offers localization capabilities for adapting to local languages, regulations, and business practices.
Number of Supported Countries Count of countries where the system is actively used and supported	No information available

Mambu Core Banking Platform from Mambu

Product analysis by function

Core Banking Systems for Retail Banking

Core Banking Features (11 Yes /12 Known /12 Possible features)

Customer Management (10 Yes /11 Known /11 Possible features)

Lending and Credit Management (10 Yes /12 Known /12 Possible features)

Digital Channels Integration (11 Yes /12 Known /12 Possible features)

Payment Capabilities (11 Yes /12 Known /12 Possible features)

Security and Compliance (12 Yes /13 Known /13 Possible features)

Technology Architecture (9 Yes /13 Known /13 Possible features)

Reporting and Analytics (10 Yes /12 Known /12 Possible features)

Integration Capabilities (11 Yes /12 Known /12 Possible features)

Implementation and Support (9 Yes /14 Known /14 Possible features)