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IT Product Company

Thought Machine

Cloud-native core banking and payments platform called Vault for banks and fintechs

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  • Web Development
  • United Kingdom
  • Mobile App Development
  • Web Design
  • +2 more
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About Thought Machine

Thought Machine is a UK fintech company that sells Vault, a core banking platform meant to replace the outdated IT systems many banks still run on. Vault is built as a cloud-native, microservice platform with an API-based design.

What Thought Machine offers

  • Vault Core — accounts, savings and term deposits, family and money-management accounts, credit cards, buy-now-pay-later, and rewards programmes.
  • Vault Payments — payment orchestration, account-to-account payments, and card issuing and processing.
  • UI and operations tools — customer servicing plus process management.
  • Programmable configuration — banks shape products to their own needs.
  • Migration support — help with moving off legacy platforms.

Who it works with

Global banking institutions and fast-growing fintechs, with Trust Bank and Intesa Sanpaolo mentioned among customers.

Key facts

  • Based in: United Kingdom
  • Platform: Vault, cloud-native with open APIs

Profile written by TrustList from the business's own published information, Oct 2026.

Categories & features

  • Web Development
  • United Kingdom
  • Mobile App Development
  • Web Design
  • Cloud
  • React Native

Rankings

As of 2026-10-05. Organic ranks only; sponsored placements are never ranks.

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