Category
AI core banking software: what they are and who makes them
cloud-native cores with ai tooling for setup and migration, composable cores for lenders and fintechs, wealth and full-suite platforms, banking-as-a-service and build-your-own platforms: 10x Banking, Mambu, Avaloq through Crosskey.
Types of AI core banking software
Cloud-native cores with AI tooling for setup and migration
10x Banking and Thought Machine sell SaaS or cloud-native ledgers aimed at banks replacing a legacy system. Only 10x Banking names AI tools for configuration and data mapping. This type suits a bank willing to fund a multi-year programme and to test each AI claim in a proof of concept.
Composable cores for lenders and fintechs
Mambu and Skaleet split the platform into modules that can be started one at a time. Mambu names an AI layer called Agentic, and Skaleet names none. This type fits neobanks and lenders that prefer to add products gradually and check API documentation before they sign.
Wealth and full-suite platforms
Avaloq and Temenos cover wealth, payments and digital channels on top of the ledger. Avaloq lists AI agents and Temenos lists an innovation platform for AI. Both are large purchases, and both quote on request, so a buyer needs a written scope before comparing the AI parts.
Banking-as-a-service and build-your-own platforms
Vodeno and SDK.finance serve companies that launch banking products without a full bank. Vodeno names AI help for building product contracts, and SDK.finance publishes a price and sells the source code. This type needs a licence or partner bank, which the vendors say they do not hold themselves.
Facts at a glance
| Tool | Publisher | Based in | Access |
|---|---|---|---|
| 10x Banking | 10x Banking Technology Limited | United Kingdom | Paid |
| Mambu | Mambu B.V. | Netherlands | Paid + API |
| Avaloq | Avaloq Group Ltd. | Switzerland | Paid |
| Temenos | Temenos Headquarters SA | Switzerland | Paid |
| Vodeno | Vodeno sp. z o.o. | Poland | Paid |
| SDK.finance | TechFin UAB | Lithuania | Paid + API |
| Thought Machine | Thought Machine Group Limited | United Kingdom | Paid |
| Skaleet | SKALEET | France | Paid + API |
| Finastra | Finastra | United Kingdom | Paid |
| Crosskey | Crosskey Banking Solutions Ab Ltd | Finland | Paid + API |
