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Mambu Core Banking Platform from Mambu
Cloud-native, API-driven composable banking platform allowing rapid product development, flexible configuration, automated workflows, real-time processing, comprehensive accounting, integrated risk management, and scalable cloud architecture.
Product analysis by function
Core Banking Systems for Retail Banking
Central processing systems that manage daily banking operations, including account management, transaction processing, and customer information.
More Core Banking Systems
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Core Functionality
(0 Yes /0 Known /9 Possible features)
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Account Management Ability to create, modify, and close various types of accounts (checking, savings, loans, etc.). |
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Transaction Processing Capability to process various transactions, including deposits, withdrawals, transfers, payments, and fees. |
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Customer Information Management Centralized database for storing and managing customer data, including personal details, contact information, and account history. |
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General Ledger Maintaining the bank's financial records, including assets, liabilities, and equity. |
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Reporting Generating various reports for regulatory compliance, financial analysis, and management decision-making. |
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Interest Calculation Automated calculation and posting of interest on deposits and loans. |
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Statement Generation Generating and distributing account statements to customers. |
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Loan Management Features for managing the entire loan lifecycle, from origination to repayment. |
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KYC/AML Compliance Features to perform KYC and AML checks. |
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Integration Capabilities
(0 Yes /0 Known /7 Possible features)
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Payment Gateways Integration with various payment gateways for online and mobile payments. |
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ATM Networks Integration with ATM networks for cash withdrawals and deposits. |
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Mobile Banking Platforms Integration with mobile banking platforms for mobile access to accounts and services. |
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CRM Systems Integration with CRM systems for managing customer relationships. |
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Fraud Detection Systems Integration with fraud detection systems for real-time fraud monitoring. |
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Regulatory Reporting Systems Integration with regulatory reporting systems for automated reporting to regulatory authorities. |
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Core Banking APIs Availability of APIs for integration with other systems and third-party applications. |
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Scalability and Performance
(0 Yes /0 Known /5 Possible features)
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Transaction Throughput Number of transactions the system can process per unit of time. |
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User Capacity Maximum number of concurrent users the system can support. |
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Database Size Maximum size of the database supported by the system. |
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Scalability Ability to scale up or down resources to meet changing demands. |
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Response Time Average time taken for the system to respond to user requests. |
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Security
(0 Yes /0 Known /7 Possible features)
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Data Encryption Encryption of data at rest and in transit. |
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Access Control Role-based access control to restrict access to sensitive data and functions. |
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Audit Trail Comprehensive audit trail of all user activities and system events. |
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Intrusion Detection Intrusion detection system to detect and prevent unauthorized access. |
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Vulnerability Management Regular vulnerability assessments and penetration testing. |
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Multi-Factor Authentication Support for multi-factor authentication for enhanced security. |
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Fraud Prevention Tools for fraud prevention. |
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Compliance
(0 Yes /0 Known /4 Possible features)
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Regulatory Reporting Automated generation of regulatory reports. |
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KYC/AML Compliance Features for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance. |
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Data Privacy Compliance with data privacy regulations, such as GDPR. |
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PCI DSS Compliance Compliance with Payment Card Industry Data Security Standard (PCI DSS). |
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User Interface and Experience
(0 Yes /0 Known /5 Possible features)
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User-Friendly Interface Easy-to-use interface for both bank staff and customers. |
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Customization Options Ability to customize the interface to meet specific needs. |
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Multi-Language Support Support for multiple languages. |
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Accessibility Accessibility features for users with disabilities. |
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Mobile Responsiveness The user interface adapts well to mobile devices |
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Reporting and Analytics
(0 Yes /0 Known /5 Possible features)
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Customizable Reports Ability to create custom reports based on specific criteria. |
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Real-Time Dashboards Real-time dashboards for monitoring key performance indicators (KPIs). |
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Data Visualization Tools for visualizing data in charts and graphs. |
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Predictive Analytics Predictive analytics capabilities for forecasting future trends. |
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Segmentation Ability to segment customer data. |
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Deployment Options
(0 Yes /0 Known /3 Possible features)
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On-Premise Deployment Deployment on the bank's own servers. |
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Cloud Deployment Deployment on a cloud platform. |
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Hybrid Deployment Combination of on-premise and cloud deployment. |
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Maintenance and Support
(0 Yes /0 Known /5 Possible features)
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24/7 Support Availability of support services 24 hours a day, 7 days a week. |
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Software Updates Regular software updates and patches. |
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Training Training programs for bank staff. |
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Documentation Comprehensive documentation for the system. |
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Service Level Agreements (SLAs) Defined service level agreements for uptime and performance. |
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Cost
(0 Yes /0 Known /4 Possible features)
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Licensing Fees Cost of software licenses. |
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Implementation Costs Cost of implementing the system. |
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Maintenance Costs Ongoing maintenance costs. |
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Support Costs Cost of support services. |
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Core Banking Features
(12 Yes /12 Known /12 Possible features)
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Account Management Ability to create, modify, and close different types of customer accounts (checking, savings, term deposits) |
Mambu supports creation and management of various account types including checking, savings, and term deposits as part of its core account management functionality. | |
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Transaction Processing Processing of deposits, withdrawals, transfers, and other financial transactions with proper logging |
The platform provides real-time transaction processing with full transaction logging, which is central to its core banking capabilities. | |
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Transactions Per Second Maximum number of financial transactions the system can process per second |
0 |
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Interest Calculation Automated calculation and application of interest for deposit and loan accounts |
Mambu offers automated interest calculation and application for both deposit and loan accounts with flexible configuration options. | |
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Batch Processing Ability to handle end-of-day/month batch processes for account updates and reconciliation |
The platform supports end-of-day/month batch processing for account reconciliation and updates. | |
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Multi-Currency Support Support for accounts and transactions in multiple currencies |
Mambu provides multi-currency support allowing customers to manage accounts in different currencies. | |
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Fee Management Configuration and automated application of various banking fees and charges |
The platform includes configurable fee management capabilities for various banking fees and charges. | |
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Standing Instructions Setup and management of recurring payments and automated transfers |
Standing instructions and recurring payments are supported as part of Mambu's account management functionality. | |
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Account Statements Generation of periodic account statements with transaction history |
Account statement generation with transaction history is a standard feature of the platform. | |
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Overdraft Facilities Management of overdraft limits, fees, and authorization |
Mambu supports overdraft management including limits, fees, and authorization processes. | |
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Dormant Account Handling Automated identification and management of inactive accounts |
The platform includes automated identification and management of dormant accounts. | |
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Product Configuration Flexibility to define and modify banking products and associated rules |
Mambu's composable architecture allows for flexible product configuration and modifications to banking products and rules. |
Customer Management
(11 Yes /11 Known /11 Possible features)
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Customer Information Management Comprehensive customer profile management including demographics, contact details, and preferences |
The platform includes comprehensive customer information management with profile management capabilities. | |
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KYC Documentation Storage and verification of Know Your Customer documents and identification |
Mambu supports KYC document storage and verification processes. | |
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Customer Due Diligence Risk assessment and enhanced due diligence for high-risk customers |
The platform provides customer due diligence capabilities including risk assessment for high-risk customers. | |
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Customer Onboarding End-to-end workflow for customer acquisition and account opening |
Mambu offers end-to-end customer onboarding workflows for account opening and acquisition. | |
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Customer Segmentation Ability to categorize customers based on various attributes for targeted services |
Customer segmentation based on various attributes is supported for targeted services. | |
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Customer Service History Tracking of customer interactions, complaints, and resolutions |
The platform includes tracking of customer interactions, complaints, and resolutions. | |
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Relationship Pricing Application of special rates or fee waivers based on customer relationships |
Relationship pricing for special rates or fee waivers is supported based on customer relationships. | |
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Household/Group Management Linking and managing customers that belong to the same household or business group |
Mambu allows for managing customers in household or business groups. | |
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Customer Profitability Analysis Calculation and reporting of customer-level profitability metrics |
The platform supports customer profitability analysis with reporting metrics. | |
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Customer Data Storage Capacity Maximum number of customer profiles the system can efficiently store and manage |
0 |
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360-Degree Customer View Consolidated view of all customer relationships, products, and interactions |
Mambu provides a 360-degree customer view with consolidated information about customer relationships, products, and interactions. |
Lending and Credit Management
(12 Yes /12 Known /12 Possible features)
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Loan Origination End-to-end process for loan application, approval, and disbursement |
The platform offers end-to-end loan origination processes for application, approval, and disbursement. | |
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Credit Scoring Automated assessment of creditworthiness based on predefined criteria |
Mambu includes automated credit scoring based on predefined criteria. | |
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Credit Limit Management Setting and monitoring credit limits for various lending products |
Credit limit management for various lending products is supported. | |
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Loan Servicing Management of loan repayments, amortization schedules, and restructuring |
Mambu provides loan servicing including management of repayments, amortization schedules, and restructuring. | |
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Collateral Management Recording and valuation of collateral against secured loans |
The platform supports collateral management with recording and valuation capabilities for secured loans. | |
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Delinquency Management Tracking and handling of overdue payments and collections |
Delinquency management for tracking and handling overdue payments and collections is included. | |
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Loan Loss Provisioning Calculation and management of provisions for potential loan losses |
Mambu supports loan loss provisioning with calculation and management capabilities. | |
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Flexible Interest Rates Support for various interest rate types (fixed, variable, tiered) and calculation methods |
The platform offers flexible interest rates including fixed, variable, and tiered rates with various calculation methods. | |
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Early Repayment Handling Processing of partial or full early loan repayments with appropriate fee calculations |
Mambu supports early repayment handling with appropriate fee calculations. | |
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Maximum Loan Types Number of different loan product types the system can support simultaneously |
0 |
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Loan Portfolio Size Maximum size of loan portfolio the system can efficiently manage |
0 |
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Regulatory Compliance Reporting Generation of lending-related regulatory reports (e.g., HMDA in the US) |
The platform includes regulatory compliance reporting capabilities for lending-related reports. |
Digital Channels Integration
(12 Yes /12 Known /12 Possible features)
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API Banking Comprehensive set of APIs for integration with first and third-party applications |
Mambu is API-driven with a comprehensive set of APIs for integration with first and third-party applications. | |
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API Calls Per Second Maximum number of API calls the system can handle per second |
0 |
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Mobile Banking Integration Ready connectors or interfaces for mobile banking applications |
The platform provides ready connectors for mobile banking application integration. | |
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Internet Banking Integration Support for online banking platforms with real-time account information |
Mambu supports internet banking platform integration with real-time account information. | |
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ATM Network Integration Interfaces for ATM networks with transaction processing capabilities |
The platform offers ATM network integration with transaction processing capabilities. | |
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Branch Automation Integration with branch systems for teller operations and customer service |
Mambu provides branch automation integration for teller operations and customer service. | |
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Contact Center Integration Interfaces for customer service representatives to access and manage customer accounts |
The platform includes contact center integration for customer service representatives. | |
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POS/Merchant Integration Support for point-of-sale transactions and merchant management |
Mambu supports POS/merchant integration for transactions and merchant management. | |
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Open Banking Compliance Alignment with open banking standards and regulations for third-party access |
The platform is aligned with open banking standards and regulations for third-party access. | |
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Channel Consistency Consistent customer experience and data across all channels |
Mambu provides consistent customer experience and data across all channels. | |
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Digital Onboarding Fully digital customer acquisition process integrated with core banking |
The platform offers fully digital customer onboarding processes integrated with core banking. | |
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SDK Availability Software development kits for custom integration development |
Mambu provides SDKs for custom integration development. |
Payment Capabilities
(12 Yes /12 Known /12 Possible features)
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Real-time Payments Support for instant payment schemes (e.g., RTP, FedNow, UK Faster Payments) |
The platform supports real-time payments for instant payment schemes. | |
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SWIFT Connectivity Integration with SWIFT network for international payments |
Mambu offers SWIFT connectivity for international payments. | |
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ACH Processing Automated Clearing House batch payment processing |
The platform includes ACH processing for batch payments. | |
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Wire Transfer Management Processing and monitoring of high-value wire transfers |
Mambu supports wire transfer management for high-value transfers. | |
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Payment Routing Intelligent routing of payments through optimal channels based on cost, speed, etc. |
The platform offers intelligent payment routing through optimal channels. | |
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Payment Formatting Support for various payment message formats (ISO 20022, ISO 8583, etc.) |
Mambu supports various payment message formats including ISO 20022 and ISO 8583. | |
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Payment Screening Sanctions and AML screening for outgoing and incoming payments |
The platform includes payment screening for sanctions and AML compliance. | |
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Payment Reconciliation Automated matching and reconciliation of payment transactions |
Mambu provides automated matching and reconciliation of payment transactions. | |
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Payment Gateway Integration Connections to third-party payment gateways and processors |
The platform supports payment gateway integration with third-party processors. | |
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Maximum Payment Volume Maximum number of payments the system can process per day |
0 |
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Payment Tracking End-to-end visibility of payment status throughout the transaction lifecycle |
Mambu offers end-to-end payment tracking throughout the transaction lifecycle. | |
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Bulk Payment Processing Ability to process large volumes of payments in bulk with proper controls |
The platform supports bulk payment processing with proper controls. |
Security and Compliance
(13 Yes /13 Known /13 Possible features)
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Data Encryption Encryption of data at rest and in transit using industry standards |
Mambu uses industry-standard data encryption for data at rest and in transit. | |
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Role-based Access Control Granular access permissions based on user roles and responsibilities |
The platform provides role-based access control with granular permissions. | |
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Maker-Checker Controls Dual control mechanism requiring separate users for transaction creation and approval |
Mambu supports maker-checker controls requiring separate users for transaction creation and approval. | |
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Audit Logging Comprehensive logging of all system activities for audit purposes |
The platform includes comprehensive audit logging of all system activities. | |
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Fraud Detection Real-time monitoring and alerting for suspicious transactions |
Mambu offers real-time monitoring and alerting for suspicious transactions. | |
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AML Compliance Anti-Money Laundering monitoring and reporting capabilities |
The platform includes AML compliance monitoring and reporting capabilities. | |
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KYC/CDD Support Tools for Know Your Customer and Customer Due Diligence processes |
Mambu provides tools for KYC and Customer Due Diligence processes. | |
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Regulatory Reporting Generation of mandatory reports for regulatory authorities |
The platform generates mandatory reports for regulatory authorities. | |
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards |
Mambu adheres to PCI DSS standards for payment card data security. | |
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Multi-factor Authentication Support for various authentication methods beyond username/password |
The platform supports multi-factor authentication beyond username/password. | |
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Log Retention Period Maximum duration for which system logs are retained for audit and compliance |
0 |
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Data Masking Obfuscation of sensitive customer information for unauthorized users |
Mambu includes data masking capabilities for sensitive customer information. | |
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Biometric Authentication Support Integration capabilities with fingerprint, facial recognition, or other biometric authentication methods |
The platform supports biometric authentication integration. |
Technology Architecture
(13 Yes /13 Known /13 Possible features)
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Cloud Compatibility Ability to deploy and operate in cloud environments (public, private, hybrid) |
Mambu is cloud-native with compatibility for various cloud environments (public, private, hybrid). | |
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Microservices Architecture Modular design using microservices for flexibility and scalability |
The platform uses microservices architecture for flexibility and scalability. | |
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Database Technology Type and capabilities of the underlying database system |
Mambu utilizes modern database technology for its underlying system. | |
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Uptime Guarantee Percentage of time the system is guaranteed to be operational |
99.9 As a cloud-native platform, Mambu typically offers high availability with uptime guarantees of 99.9% or better. |
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Disaster Recovery Comprehensive DR capabilities with minimal data loss and downtime |
The platform includes comprehensive disaster recovery capabilities with minimal data loss and downtime. | |
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Recovery Time Objective Maximum acceptable time to restore system functionality after a failure |
0 |
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Recovery Point Objective Maximum acceptable data loss measured in time |
0 |
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Horizontal Scalability Ability to add more instances to handle increased load |
Mambu supports horizontal scalability by adding more instances to handle increased load. | |
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Vertical Scalability Ability to add more resources (CPU, memory) to existing instances |
The platform offers vertical scalability by adding more resources to existing instances. | |
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Containerization Support for container technologies like Docker and Kubernetes |
Mambu supports containerization with Docker and Kubernetes. | |
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System Response Time Average time taken to respond to user requests under normal load |
0 |
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DevOps Integration Support for continuous integration/deployment pipelines |
The platform supports DevOps integration with CI/CD pipelines. | |
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Multi-tenant Architecture Ability to serve multiple business entities from a single installation |
Mambu has multi-tenant architecture capabilities serving multiple business entities from a single installation. |
Reporting and Analytics
(12 Yes /12 Known /12 Possible features)
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Standard Reports Pre-built reports for common banking operational needs |
The platform includes pre-built reports for common banking operational needs. | |
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Number of Standard Reports Quantity of out-of-the-box reports included with the system |
0 |
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Custom Report Builder Tools for creating and customizing reports without programming |
Mambu provides custom report building tools without programming requirements. | |
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Regulatory Reporting Reports designed to meet specific regulatory requirements |
The platform offers regulatory reporting designed to meet specific requirements. | |
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Real-time Dashboards Visual displays of key metrics updated in real-time |
Mambu includes real-time dashboards with key metrics updated in real-time. | |
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Data Warehouse Integration Ability to feed banking data to enterprise data warehouses |
The platform supports data warehouse integration for enterprise data warehouses. | |
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Data Export Capabilities Options for exporting data in various formats (CSV, Excel, PDF, etc.) |
Mambu offers data export capabilities in various formats (CSV, Excel, PDF). | |
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Business Intelligence Tools Built-in or integrated BI capabilities for data analysis |
The platform includes business intelligence tools for data analysis. | |
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Scheduled Reporting Ability to schedule automated report generation and distribution |
Mambu supports scheduled reporting with automated generation and distribution. | |
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Report Generation Speed Average time to generate complex reports with large datasets |
0 |
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Historical Data Access Access to archived data for reporting and analysis |
The platform provides access to archived data for reporting and analysis. | |
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Predictive Analytics Advanced analytics capabilities for forecasting and customer behavior prediction |
Mambu offers predictive analytics capabilities for forecasting and customer behavior prediction. |
Integration Capabilities
(12 Yes /12 Known /12 Possible features)
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API Gateway Central point for managing APIs with security and monitoring |
The platform includes an API gateway for managing APIs with security and monitoring. | |
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Number of Standard APIs Quantity of pre-built APIs available for integration |
0 |
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ESB/Middleware Integration Compatibility with enterprise service buses or middleware platforms |
Mambu supports ESB/middleware integration with enterprise service buses. | |
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File-based Integration Support for file transfers and batch processes |
The platform includes file-based integration support for file transfers and batch processes. | |
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Real-time Integration Capability for real-time synchronous communication with other systems |
Mambu provides real-time integration capabilities for synchronous communication with other systems. | |
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Third-party Fintech Integration Pre-built connectors for common fintech solutions |
The platform offers pre-built connectors for common fintech solutions. | |
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Regulatory System Integration Interfaces with regulatory reporting systems and infrastructure |
Mambu supports interfaces with regulatory reporting systems and infrastructure. | |
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Card Management System Integration Connectivity with card issuing and processing platforms |
The platform provides connectivity with card issuing and processing platforms. | |
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Integration Workflow Tools Visual tools for designing and managing integration processes |
Mambu includes visual tools for designing and managing integration processes. | |
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Integration Security Security features specific to external system connections |
The platform has robust security features specific to external system connections. | |
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Message Transformation Ability to convert data formats between systems |
Mambu supports message transformation for converting data formats between systems. | |
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Integration Monitoring Tools for monitoring the health and performance of integrations |
The platform includes tools for monitoring the health and performance of integrations. |
Implementation and Support
(14 Yes /14 Known /14 Possible features)
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Implementation Methodology Structured approach to system implementation and deployment |
Mambu uses a structured implementation methodology for system deployment. | |
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Average Implementation Time Typical timeframe for full system implementation |
0 Average implementation time is 4-9 months. |
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Configuration Tools User-friendly tools for system configuration without coding |
The platform provides user-friendly configuration tools without coding requirements. | |
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Data Migration Tools Utilities for transferring data from legacy systems |
Mambu includes data migration tools for transferring data from legacy systems. | |
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Training Materials Comprehensive documentation and training resources |
The platform offers comprehensive documentation and training resources. | |
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User Training Hours Hours of training included in standard implementation |
0 |
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Support SLA Service level agreements for technical support and issue resolution |
Mambu provides service level agreements for technical support and issue resolution. | |
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Critical Issue Response Time Maximum time to respond to severity 1 issues |
0 |
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User Community Active community of users for knowledge sharing |
The platform has an active user community for knowledge sharing. | |
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Release Frequency Frequency of new version releases with enhancements |
0 |
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Sandbox Environment Availability of test environments for development and training |
Mambu provides sandbox environments for development and training. | |
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Implementation Partner Network Ecosystem of certified implementation partners |
The platform has an ecosystem of certified implementation partners. | |
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Localization Capabilities Ability to adapt to local languages, regulations, and business practices |
Mambu offers localization capabilities for adapting to local languages, regulations, and business practices. | |
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Number of Supported Countries Count of countries where the system is actively used and supported |
0 |
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