Mambu launches Intelligent Core, Connecting AI to Core Banking

Intelligent Core brings together Mambu Core, Mambu Payments and the new Mambu Agentic, connecting intelligence across the banking stack to enable faster decisions and more personalised services.

Amsterdam, Netherlands // September 2nd, 2026 - Mambu, the founder of composable banking, trusted by financial institutions worldwide, today announced the launch of Intelligent Core, its strategic vision and technology architecture for bringing core banking, payments and agentic AI together through one open, composable platform.  

AI is fundamentally changing how quickly competitive advantage is won and lost in financial services, but most banks are still layering AI on legacy cores that are not built for real-time intelligence or autonomous action. 

For fifteen years, financial institutions have trusted Mambu to build and modernise deposits, lending, and Islamic banking. Today this composable foundation becomes intelligent. Mambu Agentic is a native intelligence layer of AI connectivity, specialised agents, and autonomous workflows directly to the core. Joined with Mambu Core and Mambu Payments, it unlocks the Intelligent Core, a unified architecture built to accelerate execution, lower operational overhead, and power hyper-personalised innovation.

As part of the Intelligent Core, Mambu is introducing three new capability layers within its agentic offering: 

1. Model Context Protocol (MCP): Connects enterprise AI agents directly into core and payments for real-time data and context, without complex integrations. 

2. AI Insights: A curated data layer ensuring the underlying data used for agent reasoning is always trustworthy, while continually surfacing AI-powered insights on growth opportunities, risk and anomalies across portfolios and operations to deliver actionable intelligence automatically. 

3. Agents: Pre-built action agents that gather the data, reason against configurable guardrails, act where they're allowed, and explain every action and decision. Fully configurable to learn policies, approval thresholds, and business logic.

Intelligent Core brings together the intelligence and the ledger in one open architecture, helping financial institutions launch faster, automate high-volume operational work and deliver instant, personalised services at scale. The result is intelligence that compounds across the stack, becoming more valuable as the business grows. “For 15 years, Mambu has freed hundreds of global financial institutions from the constraints of monolithic legacy cores through composable banking,” said Fernando Zandona, Chief Executive Officer at Mambu. “That composable foundation now evolves to become intelligent. Intelligent Core is our vision for the future of financial services: core, payments, and agentic AI working as one. Mambu Agentic brings this to life with AI agents that connect directly into the ledger, reason against strict guardrails, act where authorised, and explain every decision. Fully configurable, auditable, and scalable.”

“Every financial institution we talk to is not asking if they should adopt AI, but whether it can run safely, reliably, and deliver on its promise at scale. Today with Mambu, it can,” concluded Zandona.

About Mambu

Mambu is the cloud banking platform powering the next generation of financial institutions. Founded in 2011, it enables banks, lenders, credit unions, fintechs, retailers and other organisations to design, launch and continuously evolve modern financial products with speed and flexibility. Our unique, composable approach is extended by our Intelligent Core, bringing AI agents, autonomous workflows and real-time intelligence to banking operations. This allows independent components, systems and connectors to be assembled in any configuration to meet business goals and customer needs. The platform supports core banking, deposits, lending, Islamic banking, payments and agentic automation.

Mambu offers a composable, future-ready and scalable product that grows with businesses. Whether launching a single product, transforming an entire banking stack or embedding AI into daily operations, Mambu provides the agility and reliability needed to succeed in today's financial landscape. More than 260 customers in over 65 countries rely on Mambu, including Western Union, Commonwealth Bank of Australia, N26, BancoEstado, Raiffeisen Bank, ABN AMRO and Bank Islam.