# Thought Machine

> Thought Machine builds cloud-native core banking and payments technology. Its two core products — Vault Core (core banking) and Vault Payments (payments processing) — replace legacy banking infrastructure with a unified, real-time, infinitely scalable platform. Thought Machine works with Tier 1 and Tier 2 banks, regional banks, and fintechs worldwide, including Lloyds Banking Group, Intesa Sanpaolo, Standard Chartered, JPMorgan Chase, SEB, Atom Bank, Curve, and Lunar.

This site is available in English (default), German (/de), Japanese (/jp), and Spanish (/es).

## Products
- [Vault Core](https://www.thoughtmachine.net/vault-core): Cloud-native core banking platform. Live with Tier 1 banks, smaller banks, and fintechs worldwide, built on the latest engineering principles and deep cloud technology.
- [Current And Transaction Accounts](https://www.thoughtmachine.net/vault-core/current-and-transaction-accounts): Redefine everyday banking with hyper-personalised accounts, real-time processing, and unconstrained flexibility.
- [Savings And Term Deposits](https://www.thoughtmachine.net/vault-core/savings-and-term-deposits): Attract and retain liquidity with highly dynamic savings products.
- [Money Management And Family Accounts](https://www.thoughtmachine.net/vault-core/money-management-and-family-accounts): Drive financial well-being for the whole household with intuitive products for spending, savings, and shared family finance.
- [Wallets And Multi Currency](https://www.thoughtmachine.net/vault-core/wallets-and-multi-currency): Launch dynamic digital wallets and native borderless banking products.
- [Loans And Mortgages](https://www.thoughtmachine.net/vault-core/loans-and-mortgages): Service any lending product, from personal loans to commercial mortgages, on a single platform.
- [Credit Cards And Bnpl](https://www.thoughtmachine.net/vault-core/credit-cards-and-bnpl): Launch modern credit and installment products with real-time flexibility.
- [Rewards Loyalty Programmes](https://www.thoughtmachine.net/vault-core/rewards-loyalty-programmes): Drive customer engagement with real-time rewards embedded directly into your core.
- [Vault Payments](https://www.thoughtmachine.net/vault-payments): Real-time, high-throughput payment processing platform built for scale. Orchestrate any payment type from any system without legacy bottlenecks.
- [Payment Orchestration](https://www.thoughtmachine.net/vault-payments/payment-orchestration): Orchestrate global rails and digital assets on a single platform.
- [Account To Account](https://www.thoughtmachine.net/vault-payments/account-to-account): Orchestrate global A2A rails on a single platform.
- [Payment Processing](https://www.thoughtmachine.net/vault-payments/payment-processing): Process all global payment types and schemes on a single engine.
- [Card Issuing And Processing](https://www.thoughtmachine.net/vault-payments/card-issuing-and-processing): Comprehensive card issuing and processing engine for the full lifecycle of physical, virtual, and tokenised cards on major global networks.
- [Digital Assets](https://www.thoughtmachine.net/vault-payments/digital-assets): Orchestrate digital and fiat money on a single, universal platform.
- [Customer Servicing](https://www.thoughtmachine.net/ui-and-operations/customer-servicing): Customer service and slashed operational costs on a single platform.
- [Reporting And Dashboards](https://www.thoughtmachine.net/ui-and-operations/reporting-and-dashboards): Real-time, comprehensive insights into your bank's performance.
- [Operations And Process Management](https://www.thoughtmachine.net/ui-and-operations/operations-and-process-management): Business Process Management designed for the most complex banking workflows.
- [Product Management](https://www.thoughtmachine.net/ui-and-operations/product-management): Launch modern financial products with absolute structural flexibility.

## Who We Serve
- [Global And National Banks](https://www.thoughtmachine.net/global-and-national-banks): Supporting 17 of the world's premier financial institutions to dismantle legacy technology, eliminate architectural complexity, and run high-volume international operations in real time.
- [Mid Size And Regional Banks](https://www.thoughtmachine.net/mid-size-and-regional-banks): Foundational infrastructure to innovate at market speed, without compromising on performance, simplicity, or efficiency.
- [Fintechs Digital Banks And Innovators](https://www.thoughtmachine.net/fintechs-digital-banks-and-innovators): The definitive platform for the builders of tomorrow's financial ecosystem.

## Our Approach
- [Journey](https://www.thoughtmachine.net/journey): Combining R&D innovation, global field experience via Forward Deployed Engineering, and an agent-native delivery model to accelerate implementation and time to value.
- [Our Insights](https://www.thoughtmachine.net/our-insights): Perspectives, research, and analysis from the Thought Machine team on the future of banking technology.
- [Case Studies](https://www.thoughtmachine.net/case-studies): The de facto option for Tier 1 banks undertaking core transformation, as well as smaller banks and fintech challengers redefining the industry.
- [Partners](https://www.thoughtmachine.net/partners): Working with over 50 leading platforms and innovators in financial services to deliver performance, operational efficiency, and cost effectiveness.

## Company
- [Our Story](https://www.thoughtmachine.net/our-story): Replacing legacy banking infrastructure with a unified, cloud-native core and payments platform — the foundational architecture of modern finance.
- [Leadership](https://www.thoughtmachine.net/leadership): The people shaping Thought Machine's culture, product, and growth.
- [Press](https://www.thoughtmachine.net/press): Company news, press contacts, and media resources.
- [Careers](https://www.thoughtmachine.net/careers): Rewriting the code that moves the world's economy. Cloud-native, infinitely scalable financial infrastructure built from the ground up.

## Contact
- [Contact Us](https://www.thoughtmachine.net/contact-us): Speak with the team about modern core banking, payments infrastructure, and transformation strategy.

## Case Studies
- [Afin Bank](https://www.thoughtmachine.net/case-studies/afin-bank)
- [Arvest 2](https://www.thoughtmachine.net/case-studies/arvest-2)
- [Atom Bank](https://www.thoughtmachine.net/case-studies/atom-bank)
- [Bancolombia](https://www.thoughtmachine.net/case-studies/bancolombia)
- [Bpifrance 2](https://www.thoughtmachine.net/case-studies/bpifrance-2)
- [C6](https://www.thoughtmachine.net/case-studies/c6)
- [Intesa Sanpaolo](https://www.thoughtmachine.net/case-studies/intesa-sanpaolo)
- [Judo Bank](https://www.thoughtmachine.net/case-studies/judo-bank)
- [Leumi](https://www.thoughtmachine.net/case-studies/leumi)
- [Lunar](https://www.thoughtmachine.net/case-studies/lunar)
- [Mox Bank](https://www.thoughtmachine.net/case-studies/mox-bank)
- [Payu](https://www.thoughtmachine.net/case-studies/payu)
- [Sebx](https://www.thoughtmachine.net/case-studies/sebx)
- [Trust Bank](https://www.thoughtmachine.net/case-studies/trust-bank)

## Whitepapers
- [Bank Challenges Require Next Generation Core Platforms](https://www.thoughtmachine.net/whitepapers/bank-challenges-require-next-generation-core-platforms)
- [Banking At A Crossroads The State Of Banking Modernisation](https://www.thoughtmachine.net/whitepapers/banking-at-a-crossroads-the-state-of-banking-modernisation)
- [Banks Need A More Holistic Approach To Innovation](https://www.thoughtmachine.net/whitepapers/banks-need-a-more-holistic-approach-to-innovation)
- [Building For Both Worlds Infrastructure For Traditional And Tokenised Finance](https://www.thoughtmachine.net/whitepapers/building-for-both-worlds-infrastructure-for-traditional-and-tokenised-finance)
- [Demystifying Digital Transformation In Banking](https://www.thoughtmachine.net/whitepapers/demystifying-digital-transformation-in-banking)
- [How Banks Can Win At Customer Experience Innovation](https://www.thoughtmachine.net/whitepapers/how-banks-can-win-at-customer-experience-innovation)
- [Is Your Data Migration Strategy Holding Back Your Core Modernisation](https://www.thoughtmachine.net/whitepapers/is-your-data-migration-strategy-holding-back-your-core-modernisation)
- [Modernise Your Core Unleash Your Banks Potential](https://www.thoughtmachine.net/whitepapers/modernise-your-core-unleash-your-banks-potential)
- [Payments](https://www.thoughtmachine.net/whitepapers/payments)
- [Performance Proven The Right Way](https://www.thoughtmachine.net/whitepapers/performance-proven-the-right-way)
- [Purposeful Coexistence In Your Journey To A Digital Core](https://www.thoughtmachine.net/whitepapers/purposeful-coexistence-in-your-journey-to-a-digital-core)
- [The Future Of Banking Banks On Real Time Data](https://www.thoughtmachine.net/whitepapers/the-future-of-banking-banks-on-real-time-data)
- [The Optimal Solution To Payment System Architecture](https://www.thoughtmachine.net/whitepapers/the-optimal-solution-to-payment-system-architecture)
- [The Truth About Cloud Native Core Banking](https://www.thoughtmachine.net/whitepapers/the-truth-about-cloud-native-core-banking)
- [Transform Banking Transform Core](https://www.thoughtmachine.net/whitepapers/transform-banking-transform-core)

## Blog
- [A Demand For Cobol Expertise Underlines The Fragility Of Critical Infrastructure](https://www.thoughtmachine.net/blog/a-demand-for-cobol-expertise-underlines-the-fragility-of-critical-infrastructure)
- [Accenture Strategic Partnership](https://www.thoughtmachine.net/blog/accenture-strategic-partnership)
- [Building A Bank On Top Of Kubernetes](https://www.thoughtmachine.net/blog/building-a-bank-on-top-of-kubernetes)
- [Building A Core Banking System In A Distributed Environment](https://www.thoughtmachine.net/blog/building-a-core-banking-system-in-a-distributed-environment)
- [Building A Winning Team With A Strong Culture](https://www.thoughtmachine.net/blog/building-a-winning-team-with-a-strong-culture)
- [Can You Migrate In Less Than A Year](https://www.thoughtmachine.net/blog/can-you-migrate-in-less-than-a-year)
- [Cloud Computing Will Save Banks Billions Heres How](https://www.thoughtmachine.net/blog/cloud-computing-will-save-banks-billions-heres-how)
- [Cloud Native What Does It Mean An Interview With Cncfs Cheryl Hung](https://www.thoughtmachine.net/blog/cloud-native-what-does-it-mean-an-interview-with-cncfs-cheryl-hung)
- [Core Banking Transformed Accelerating Migrations With Cloud Native Cores](https://www.thoughtmachine.net/blog/core-banking-transformed-accelerating-migrations-with-cloud-native-cores)
- [Empowering Clients](https://www.thoughtmachine.net/blog/empowering-clients)
- [Enablement Portal](https://www.thoughtmachine.net/blog/enablement-portal)
- [From Speech Technology To Banking](https://www.thoughtmachine.net/blog/from-speech-technology-to-banking)
- [Future Of Payments](https://www.thoughtmachine.net/blog/future-of-payments)
- [Gft And Thought Machine Forge Strategic Partnership To Accelerate Global Banking Transformation Programmes](https://www.thoughtmachine.net/blog/gft-and-thought-machine-forge-strategic-partnership-to-accelerate-global-banking-transformation-programmes)
- [How Thought Machine Can Unlock The Cloud For Banks With Red Hat Openshift](https://www.thoughtmachine.net/blog/how-thought-machine-can-unlock-the-cloud-for-banks-with-red-hat-openshift)
- [How Thought Machine Exceeds Global Industry Standards In Compliance And Security](https://www.thoughtmachine.net/blog/how-thought-machine-exceeds-global-industry-standards-in-compliance-and-security)
- [Instant Payments Looking Beyond Real Time Processing And Iso 20022](https://www.thoughtmachine.net/blog/instant-payments-looking-beyond-real-time-processing-and-iso-20022)
- [Let Business Justify Your Investments Into Digital Native Core Banking Systems](https://www.thoughtmachine.net/blog/let-business-justify-your-investments-into-digital-native-core-banking-systems)
- [Life May Have Slowed Down But Innovation Doesnt](https://www.thoughtmachine.net/blog/life-may-have-slowed-down-but-innovation-doesnt)
- [Meet Our Chair Andy Maguire](https://www.thoughtmachine.net/blog/meet-our-chair-andy-maguire)
- [Money2020 What To Expect](https://www.thoughtmachine.net/blog/money2020-what-to-expect)
- [Product Development](https://www.thoughtmachine.net/blog/product-development)
- [Round Table Meeting The Challenge Of A Digital Future](https://www.thoughtmachine.net/blog/round-table-meeting-the-challenge-of-a-digital-future)
- [Shaping The Future Of Banking It Weve Joined The Banking Industry Architecture Network Bian](https://www.thoughtmachine.net/blog/shaping-the-future-of-banking-it-weve-joined-the-banking-industry-architecture-network-bian)
- [Strategic Partnership With Lloyds Banking Group](https://www.thoughtmachine.net/blog/strategic-partnership-with-lloyds-banking-group)
- [Strengthening Our Commitment To Cloud Native Design](https://www.thoughtmachine.net/blog/strengthening-our-commitment-to-cloud-native-design)
- [The Modern Payments Platform Engineered For Efficiency](https://www.thoughtmachine.net/blog/the-modern-payments-platform-engineered-for-efficiency)
- [Thought Machine Redefining Banking With Standard Chartered](https://www.thoughtmachine.net/blog/thought-machine-redefining-banking-with-standard-chartered)
- [To Be Iso 20022 Ready Is Not Good Enough](https://www.thoughtmachine.net/blog/to-be-iso-20022-ready-is-not-good-enough)
- [Why Are Cloud Systems So Much More Reliable](https://www.thoughtmachine.net/blog/why-are-cloud-systems-so-much-more-reliable)
- [Why Microservices Are The Future Of Banking](https://www.thoughtmachine.net/blog/why-microservices-are-the-future-of-banking)

## Press Releases
- [100M Milestone](https://www.thoughtmachine.net/press-releases/100m-milestone)
- [Afin Bank](https://www.thoughtmachine.net/press-releases/afin-bank)
- [Al Rajhi Bank Malaysia Selects Thought Machine To Build A State Of The Art Islamic Digital Bank](https://www.thoughtmachine.net/press-releases/al-rajhi-bank-malaysia-selects-thought-machine-to-build-a-state-of-the-art-islamic-digital-bank)
- [Arvest Bank Selects Thought Machine And Accenture For Next Generation Core Banking Platform](https://www.thoughtmachine.net/press-releases/arvest-bank-selects-thought-machine-and-accenture-for-next-generation-core-banking-platform)
- [Banco Industrial](https://www.thoughtmachine.net/press-releases/banco-industrial)
- [Bca Syariah](https://www.thoughtmachine.net/press-releases/bca-syariah)
- [Bpifrance](https://www.thoughtmachine.net/press-releases/bpifrance)
- [Bpifrance Vault Payments](https://www.thoughtmachine.net/press-releases/bpifrance-vault-payments)
- [C6 Bank](https://www.thoughtmachine.net/press-releases/c6-bank)
- [C6Bank](https://www.thoughtmachine.net/press-releases/c6bank)
- [Cordada](https://www.thoughtmachine.net/press-releases/cordada)
- [Digital Disruptor Atom Bank Partners With Thought Machine](https://www.thoughtmachine.net/press-releases/digital-disruptor-atom-bank-partners-with-thought-machine)
- [Ethos](https://www.thoughtmachine.net/press-releases/ethos)
- [Expansion Plans](https://www.thoughtmachine.net/press-releases/expansion-plans)
- [Finca Partners With Thought Machine](https://www.thoughtmachine.net/press-releases/finca-partners-with-thought-machine)
- [Form3](https://www.thoughtmachine.net/press-releases/form3)
- [Former Hsbc Group Coo Andy Maguire Joins Thought Machine As New Chair](https://www.thoughtmachine.net/press-releases/former-hsbc-group-coo-andy-maguire-joins-thought-machine-as-new-chair)
- [Gartner Magic Quadrant](https://www.thoughtmachine.net/press-releases/gartner-magic-quadrant)
- [Gbc](https://www.thoughtmachine.net/press-releases/gbc)
- [Google Cloud Award](https://www.thoughtmachine.net/press-releases/google-cloud-award)
- [Hd Bank Announces Strategic Collaboration With Thought Machine To Transform Banking In Vietnam](https://www.thoughtmachine.net/press-releases/hd-bank-announces-strategic-collaboration-with-thought-machine-to-transform-banking-in-vietnam)
- [Hmbradley](https://www.thoughtmachine.net/press-releases/hmbradley)
- [Ibm Services Named Global Implementation Partner](https://www.thoughtmachine.net/press-releases/ibm-services-named-global-implementation-partner)
- [Ing Bank Slaski Selects Thought Machine And Goes Live With Vault To Further Enhance Customer Experience](https://www.thoughtmachine.net/press-releases/ing-bank-slaski-selects-thought-machine-and-goes-live-with-vault-to-further-enhance-customer-experience)
- [Intesa Isybank](https://www.thoughtmachine.net/press-releases/intesa-isybank)
- [Intesa Sanpaolo Invests Ps40 Million Into Thought Machine And Selects Vault To Power New Digital Banking Platform](https://www.thoughtmachine.net/press-releases/intesa-sanpaolo-invests-ps40-million-into-thought-machine-and-selects-vault-to-power-new-digital-banking-platform)
- [Jab](https://www.thoughtmachine.net/press-releases/jab)
- [Jpmorgan Chase Hall Of Innovation](https://www.thoughtmachine.net/press-releases/jpmorgan-chase-hall-of-innovation)
- [Judo Bank](https://www.thoughtmachine.net/press-releases/judo-bank)
- [Lunar Selects Thought Machine To Modernise Its Core Banking System And Accelerate The Roll Out Of The Nordics Next Financial Powerhouse](https://www.thoughtmachine.net/press-releases/lunar-selects-thought-machine-to-modernise-its-core-banking-system-and-accelerate-the-roll-out-of-the-nordics-next-financial-powerhouse)
- [M1](https://www.thoughtmachine.net/press-releases/m1)
- [Magyar Bankholding Selects Thought Machine To Launch A Digital First Bank](https://www.thoughtmachine.net/press-releases/magyar-bankholding-selects-thought-machine-to-launch-a-digital-first-bank)
- [Mastercard Core Banking Capabilities](https://www.thoughtmachine.net/press-releases/mastercard-core-banking-capabilities)
- [Monese Adopts Thought Machines Vault To Reach Millions More Customers](https://www.thoughtmachine.net/press-releases/monese-adopts-thought-machines-vault-to-reach-millions-more-customers)
- [New Research Finds Nearly Half Of Banks Are Missing Key Elements To Build Sustainable Digital Transformation Strategies](https://www.thoughtmachine.net/press-releases/new-research-finds-nearly-half-of-banks-are-missing-key-elements-to-build-sustainable-digital-transformation-strategies)
- [Payset](https://www.thoughtmachine.net/press-releases/payset)
- [Payset Adopts Cloud Native Stack](https://www.thoughtmachine.net/press-releases/payset-adopts-cloud-native-stack)
- [Payu](https://www.thoughtmachine.net/press-releases/payu)
- [Seb Embedded](https://www.thoughtmachine.net/press-releases/seb-embedded)
- [Seb Selects Thought Machine For Innovation Arm](https://www.thoughtmachine.net/press-releases/seb-selects-thought-machine-for-innovation-arm)
- [Series D](https://www.thoughtmachine.net/press-releases/series-d)
- [Shawbrook](https://www.thoughtmachine.net/press-releases/shawbrook)
- [Strategic Partnership With Lloyds Banking Group](https://www.thoughtmachine.net/press-releases/strategic-partnership-with-lloyds-banking-group)
- [The Highest Levels Of Information Security Thought Machine Achieves Iso 27001 Compliance](https://www.thoughtmachine.net/press-releases/the-highest-levels-of-information-security-thought-machine-achieves-iso-27001-compliance)
- [Thought Machine Becomes A Google Cloud Partner](https://www.thoughtmachine.net/press-releases/thought-machine-becomes-a-google-cloud-partner)
- [Thought Machine Is In The Fintech 50](https://www.thoughtmachine.net/press-releases/thought-machine-is-in-the-fintech-50)
- [Thought Machine Joins The Banking Industry Architecture Network](https://www.thoughtmachine.net/press-releases/thought-machine-joins-the-banking-industry-architecture-network)
- [Thought Machine Joins The Microsoft Azure Ecosystem](https://www.thoughtmachine.net/press-releases/thought-machine-joins-the-microsoft-azure-ecosystem)
- [Thought Machine Joins The Tech Nation Future Fifty](https://www.thoughtmachine.net/press-releases/thought-machine-joins-the-tech-nation-future-fifty)
- [Thought Machine Raises 200M In Series C Funding To Bring Worlds Banks To The Cloud](https://www.thoughtmachine.net/press-releases/thought-machine-raises-200m-in-series-c-funding-to-bring-worlds-banks-to-the-cloud)
- [Thought Machine Raises 83M In Series B Funding](https://www.thoughtmachine.net/press-releases/thought-machine-raises-83m-in-series-b-funding)
- [Thought Machine Selected To Join Mastercard Start Path Programme](https://www.thoughtmachine.net/press-releases/thought-machine-selected-to-join-mastercard-start-path-programme)
- [Thought Machine Signs Mascoma Bank To Take Community Banking Into The Cloud](https://www.thoughtmachine.net/press-releases/thought-machine-signs-mascoma-bank-to-take-community-banking-into-the-cloud)
- [Thought Machine To Close Series B Round At 125M Raising 42M In Additional Funding](https://www.thoughtmachine.net/press-releases/thought-machine-to-close-series-b-round-at-125m-raising-42m-in-additional-funding)
- [Thought Machines Vault Selected To Power Curve Credit](https://www.thoughtmachine.net/press-releases/thought-machines-vault-selected-to-power-curve-credit)
- [Together Selects Thought Machine To Modernise Technology Stack](https://www.thoughtmachine.net/press-releases/together-selects-thought-machine-to-modernise-technology-stack)
- [Transfergo Selects Thought Machine To Drive Global Expansion](https://www.thoughtmachine.net/press-releases/transfergo-selects-thought-machine-to-drive-global-expansion)
- [Trustbank](https://www.thoughtmachine.net/press-releases/trustbank)
- [Uniondigital Bank](https://www.thoughtmachine.net/press-releases/uniondigital-bank)
- [Ussfcu](https://www.thoughtmachine.net/press-releases/ussfcu)
- [Vault Now Proven And Available On All Infrastructure Options](https://www.thoughtmachine.net/press-releases/vault-now-proven-and-available-on-all-infrastructure-options)
- [Vault Payments](https://www.thoughtmachine.net/press-releases/vault-payments)
- [Wise Integrates With Thought Machine](https://www.thoughtmachine.net/press-releases/wise-integrates-with-thought-machine)
- [Zopa Bank](https://www.thoughtmachine.net/press-releases/zopa-bank)

## Optional
Legal, policy, and utility pages.
- [Legal Notices](https://www.thoughtmachine.net/legal-notices)
- [Privacy](https://www.thoughtmachine.net/privacy)
- [Section 172](https://www.thoughtmachine.net/section-172)
- [Modern Slavery Act](https://www.thoughtmachine.net/modern-slavery-act)
- [Cookie Declaration](https://www.thoughtmachine.net/legal-notices-2/cookie-declaration)
- [Recruitment Privacy Notice](https://www.thoughtmachine.net/legal-notices-2/recruitment-privacy-notice)
- [Transparency In Coverage](https://www.thoughtmachine.net/legal-notices-2/transparency-in-coverage)
- [Api Terms](https://www.thoughtmachine.net/api-terms)
- [Api Integration Terms](https://www.thoughtmachine.net/api-integration-terms)
- [Gender Pay Gap 2020](https://www.thoughtmachine.net/gender-pay-gap-2020)
- [Gender Pay Gap 2021](https://www.thoughtmachine.net/gender-pay-gap-2021)
- [Gender Pay Gap 2022](https://www.thoughtmachine.net/gender-pay-gap-2022)
- [Gender Pay Gap 2023](https://www.thoughtmachine.net/gender-pay-gap-2023)
- [Gender Pay Gap 2024](https://www.thoughtmachine.net/gender-pay-gap-2024)
- [Gender Pay Gap 2025](https://www.thoughtmachine.net/gender-pay-gap-2025)