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Thought Machine is a UK fintech company that sells Vault, a core banking platform meant to replace the outdated IT systems many banks still run on.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