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EXPERIENCE
EFFICIENCY
GROWTH
Digital Banking Platform
Utilize a secure, cloud-native engine
Explore Our Platform
Multi-Core Architecture
Integrate multiple cores in parallel
Explore Our Architecture
Digital Marketplace
Connect to partner solutions
Explore Our Partners
TRANSFORM
MODERNIZE
OPTIMIZE
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THOUGHT MACHINE
CORE BANKING

Cloud-native Core Banking and Payment Solutions. In Partnership with Thought Machine, Axxiome is Revolutionizing the Future of Banking

UNLEASH THE FUTURE OF BANKING WITH THOUGHT MACHINE

Traditional banks often find themselves stuck with outdated core-banking systems that hamper innovation and agility. Thought Machines game-changing technologies empower financial institutions to redefine what's possible in banking.

Thought Machines Universal Product Engine enables unparalleled flexibility in financial product design, while its simulation features let you test product performance before launch.

Stay ahead of the curve and make strategic, real-time decisions that set banks apart in today's rapidly evolving banking landscape.

Key Features

Explore Thought Machine's robust offerings: product-as-code, an extensive product library, a real-time ledger, a cutting-edge payments engine, and seamless APIs, all designed to elevate your bank's operational experience.

THOUGHT MACHINE VAULT CORE

UNIVERSAL PRODUCT ENGINE

Vault Core's Universal Product Engine employs smart contracts for unparalleled flexibility and control in designing unique financial products, facilitating seamless migration from legacy systems without disrupting existing offerings.

  • Developer-friendly smart contracts to build any financial product
  • Financial logic described in smart contract code
  • Automated logic execution at account lifecycle events
  • Instant and on-demand financial logic updates via API

Find details on Thought Machine's Website.

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THOUGHT MACHINE VAULT CORE

PRODUCT LIBRARY

Vault Core offers a robust suite of pre-built financial products, including traditional accounts, loans, and innovative options like buy-now-pay-later. Tailored via smart contracts, it supports over 30 countries.

  • Mortgages
  • Loans
  • Deposits
  • Revolving Credits
  • Wallets
  • Shariah Products

Find details on Thought Machine's Website.

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THOUGHT MACHINE VAULT PAYMENTS

PAYMENTS PLATFORM

Vault Payments offers a universal payment engine and intelligent, rules-based routing. It integrates seamlessly with Vault Core, maximizing operational resilience and delivering unrivaled configurability:

  • Configuration Framework to build payment flows
  • Dynamic routing for flexible cash management
  • Comprehensive card issuing and processing
  • Payment Lifecycle Management with complete oversight

Find details on Thought Machine's Website.

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THOUGHT MACHINE ARCHITECTURE

CLOUD NATIVE BANKING

Thought Machine leverages a cutting-edge microservices architecture, offering unparalleled configurability and operational resilience. This revolutionary platform is designed to modernize financial institutions, ensuring agile, secure, and efficient operations. Hosting Options available:

  • SaaS
  • Bank-Hosted Private Cloud
  • Bank-Hosted Public Cloud

Find details on Thought Machine's Website.

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OTHER CAPABILITIES

REAL-TIME LEDGER
Vault Core's Ledger streamlines real-time transactions, supports complex banking, and enables efficient data migration.
PRODUCT SDK
Fast, low-cost product development and management, offering full control through smart contracts and real-time analytics.
FINANCIAL SIMULATION
Pre-test financial products through simulation, ensuring reliable performance and offering predictive insights.
MODERN CORE APIS
Standardized APIs in Vault Core enable real-time data access, granular control, and effortless vendor integration.

Benefits

  • Real-Time Processing: Enables 24/7 real-time payment and transaction processing for enhanced customer experience.
  • Full Control: Offers unparalleled control over payments and financial products through a single platform.
  • Configurability: Highly customizable rules and flows meet unique needs without altering platform code.
  • Product Innovation: Facilitates rapid launch of new, innovative financial products using smart contracts.
  • Global Reach: Supports multiple currencies and regulatory environments, making it ideal for global operations.
  • Cost Efficiency: Reduces operational costs by automating manual tasks and improving transaction efficiency.
  • Advanced Analytics: Offers real-time analytics and product financial simulations.
  • Easy Migration: Streamlines transition from legacy systems, making it fast and less error-prone.

FREQUENTLY ASKED QUESTIONS

What problem does Thought Machine solve for banks? Thought Machine modernizes core banking and payment systems, allowing banks to operate with real-time data processing, high configurability, and seamless integration capabilities.
How secure and reliable is the platform? The platform employs industry-standard security protocols and ensures high reliability, supporting 24/7 real-time operations and offering backup and recovery options.
How flexible is the solution in terms of bank product configuration? Extremely flexible. The platform utilizes smart contracts for product development, enabling quick customization and launch of both traditional and innovative financial products.
What's the transition process like for a bank currently using a legacy system? Thought Machine provides a streamlined migration process that is designed to be fast, efficient, and minimize errors, making the transition as smooth as possible.
Can it adapt to various regulatory environments and currencies? Yes, the platform is built to be globally compliant and supports multiple currencies, making it ideal for banks operating in diverse regulatory landscapes.
What is the cost implication for adopting this solution? While initial implementation may require investment, the operational efficiencies, reduced error rates, and potential for revenue-generating new products offer a strong return on investment.
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