Artificial intelligence is moving faster than ever across the global financial sector. Most traditional banks are trying to keep up by layering new artificial intelligence tools onto outdated legacy systems. These old systems were never built to handle real-time intelligence or autonomous actions. Mambu is stepping in to change how financial institutions operate with a brand-new strategic vision. The company has officially announced the launch of Intelligent Core. This unified technology architecture brings together core banking, payment processing, and agentic artificial intelligence into a single open platform.
For fifteen years, global financial institutions have relied on Mambu to modernise deposits, lending, and Islamic banking operations. Founded in 2011, the cloud banking platform has built a strong reputation for helping banks, credit unions, and fintech companies launch new financial products with speed and flexibility. Now, that trusted composable foundation is evolving to become truly intelligent. The newly introduced Intelligent Core combines Mambu Core, Mambu Payments, and a native intelligence layer known as Mambu Agentic. This setup is designed to accelerate business execution, reduce operational overhead, and power hyper-personalised customer services at scale.
At the heart of this upgrade are three distinct capability layers within Mambu Agentic. The first layer is the Model Context Protocol. This protocol connects enterprise artificial intelligence agents directly into core banking and payment systems for real-time data access and context without requiring complex software integrations. The second layer provides AI Insights. This is a curated data layer that ensures the underlying data used for agent reasoning remains completely trustworthy. It continually surfaces actionable intelligence regarding growth opportunities, operational risks, and portfolio anomalies across daily operations. The third layer consists of pre-built Action Agents. These intelligent agents gather necessary data, reason against configurable business guardrails, act where they are permitted, and clearly explain every single decision they make. Financial institutions can fully configure these autonomous workers to learn specific company policies, approval thresholds, and internal business logic.
Fernando Zandona, Chief Executive Officer at Mambu, noted that the financial industry has moved past the question of whether to adopt artificial intelligence. Instead, banking leaders want to know if these advanced tools can run safely, reliably, and at scale. Mambu believes its new unified architecture answers that exact challenge by combining core ledgers and real-time intelligence into one secure environment. Managing high-volume operational work can drain valuable time and resources for growing financial enterprises. By automating routine tasks through secure artificial intelligence agents, institutions can focus more energy on customer relationships and rapid product innovation. More than two hundred and sixty customers across over sixty-five countries already rely on Mambu to power their technological future. With the arrival of the Intelligent Core, these financial institutions gain a powerful new way to scale their digital growth safely, efficiently, and with total transparency.
