Thought Machine

Around 1.5 billion people rely on volatile, seasonal income—often from a single annual harvest. Traditional microfinance institutions, with rigid lending structures, struggle to adapt to these unpredictable cash flows. FINCA International’s new 361 platform is changing that. Instead of offering one-size-fits-all loans, the team is building tools that tailor credit products to the realities of cash-crop farmers. In this video, Alastair Campbell, Chief Commercial Strategy Officer at 361-by-FINCA, explains why they selected Thought Machine’s Vault Core—a flexible, modern core banking system capable of delivering fully configurable microfinance solutions. “The flexibility we saw in smart contracts was the only way to solve challenges like these.” — Alastair Campbell Their ambition is to become the “Spotify of microfinance,” offering personalised financial products at scale. Listen to how we are supporting the team in advancing financial inclusion and creating meaningful social impact here:

Thought Machine's Dominic Smith joined Ramon Villarreal from Red Hat to discuss how we are equipping banks for the next frontier in finance: digital assets. Dominic shares how Vault's proven smart contracts and composable payment engine now support stablecoins and tokenized assets. This breakthrough allows banks to manage both fiat and digital operations side-by-side on one resilient, cloud-native stack, centralising all accounting and compliance. Together with Red Hat, we are enabling banks to migrate to the cloud and meet the demands of future banking. The bottom line: modern, real-time banking platforms are essential to keep pace with accelerating change. Watch the full conversation, here: https://lnkd.in/e8SbMATD

Afin Bank is on a mission to help newcomers build their lives, wealth, and homes in the UK — powered by Thought Machine's Vault platform. With real-time data, flexible product configuration, and rapid implementation, Afin Bank’s CTO Monica Velasquez describes Vault Core as “100x more powerful” than other cores. Built on Vault Core, Afin Bank can: ✅ Launch new savings and mortgage products quickly using smart contracts. ✅ Access real-time data for faster, smarter decisions. ✅ Integrate seamlessly into a modular, future-ready architecture. ✅ Maintain full ownership and control of their technology stack. “Not having to build logic outside the core gives the bank its true power.” — Monica Velasquez, CTO, Afin Bank 🎥 Watch here:

Today, Thought Machine took the stage at the Global Finance & Technology Network (GFTN) Insights Forum in Singapore! Together with Manu Iyer (Thoughtworks), Paul Taylor and Nalin Sinha tackled the biggest bottlenecks holding banks back from adopting AI—and how to break through them. Huge thanks to everyone who joined this session and shared their insights. This Thursday at the Singapore FinTech Festival, Paul will be on stage showing how frontier technologies are reshaping global finance—and how Thought Machine is helping banks turn innovation into reality. If you’re in Singapore this week and want to talk about your modernisation journey, reach out to our team attending the event: Prabhakar Krishnamoorthi, Jonathan Ho, Nalin Sinha, and Duncan Orion.

Thought Machine will be presenting at the Singapore FinTech Festival and the Global Finance & Technology Network (GFTN) Insights Forum next week! If you're attending the Insights Forum, make sure to drop into our workshop: 🗓️ Monday, November 10 at 1:30 PM - Co-hosted with Thoughtworks' Manu Iyer and our own Paul Taylor and Nalin Sinha, we'll be exploring the bottleneck that's truly holding banks back from adopting AI. And for Singapore FinTech Festival: 🗓️ Thursday, November 13 at 11:40 AM - Hear from Paul Taylor on the frontier technologies that are redefining global finance, and how Thought Machine is making this a reality for banks worldwide. Looking to connect about core modernisation? Drop a message to our team who'll be attending the event: Prabhakar Krishnamoorthi Jonathan Ho Nalin Sinha and Duncan Orion

We just wrapped up our Americas Regional Client Summit (RCS) in Miami — bringing together visionary leaders who are redefining the future of finance. Our clients are proving how the Vault Platform drives transformation at speed and scale — delivering the simplicity and agility modern banking demands. Highlights from the summit: 👉 Modernising branch operations and teller systems through advanced core architecture and coexistence strategies, with insights from our partners Nicolas Grilli and Rajesh Singh (Axxiome) and Raphael Reznek (Mascoma Bank). 👉 Client Spotlight: Brian Barnes (M1) shared how M1 is leveraging our next-generation core banking technology to accelerate growth and product innovation. 👉 A fireside chat on digital assets and stablecoins featuring Ryan Bozarth (dakota) and Thought Machine experts William Montgomery and Dominic Smith. 💡 Huge thanks to our clients and partners — M1, Dakota, Axxiome, Stratum and McKinsey — for leading the charge in banking modernisation across the Americas.

We've been named a Leader in the 2025 Gartner® Magic Quadrant for Retail Core Banking Systems Europe, for the second consecutive year! We feel this recognition reflects the strides we’ve made as an organisation over the past few years and the continued evolution of our next-generation cloud-native core banking and payments technology, trusted by leading banks worldwide. Read the latest report here: https://lnkd.in/eJ4UThKZ

Most core banking performance claims are opaque. Vault Core provides verified, transparent performance at Tier 1 scale, validated in production-like environments that replicate the world's largest banks. Our proven results demonstrate: ⚡Peak throughput: Achieved 4,769 TPS for high-priority transactions across 30 million accounts (with 95% of requests under 500ms). ⏱️ Batch-processing efficiency: Completed end-of-day consolidation in just 90 minutes, processing at 20,676 TPS. No more waiting until morning. 📈 Sustained 8,000 TPS on an environment of 70 million accounts. Our methodology is fully reproducible and transparent: test requests use the same public APIs and internal services as a live production transaction, guaranteeing results that accurately reflect deployable capacity. ➡️ Learn how we prove it: https://lnkd.in/d3ZnaNfx

The tokenised financial system is now operational, running in parallel to your core business. Our latest whitepaper shows banks how to bridge the two financial worlds and stay competitive. Stablecoins are driving a massive financial reshuffling, and banks risk losing deposits and transaction volumes if they cannot operate across both the traditional and tokenised worlds. Read the whitepaper now: https://lnkd.in/eeFQ4_Nn

Welcome our newest client: General Bank of Canada! 🇨🇦 The Schedule 1 chartered bank is now leveraging Vault Core to become a powerful B2B2C financial product manufacturer, driving competition and innovation across the Canadian market. As GBC's CTO, Barry Hensch MBA ICD.D, puts it: "Thought Machine’s Vault Core is a core catalyst, providing the ultimate, legacy-free foundation we need to continue to grow in an industry that is being massively disrupted.” Read more, here: https://lnkd.in/ekkWcUMj