Mambu launches Intelligent Core to integrate AI with core banking and payments

By Divya Shah

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.

Mambu, a financial institution, has launched Intelligent Core, bringing core banking, payments and agentic AI together through one open, composable platform.

Intelligent Core will help financial institutions to launch faster, automate high-volume operational work and deliver instant, personalised services by bringing together the intelligence and the ledger in one open architecture. The result is intelligence that compounds across the stack, becoming more valuable as the business grows.

As part of the launch, Mambu introduced three capability layers within its agentic AI offering.

The first is the Model Context Protocol (MCP), which enables enterprise AI agents to connect directly with core banking and payments systems, providing real-time access to relevant data and operational context without requiring complex integrations.

The second layer, AI Insights, serves as a curated data foundation designed to ensure that information used by AI agents remains reliable and trustworthy. The capability continuously analyses portfolios and operations to identify growth opportunities, risks and anomalies, delivering actionable insights automatically.

The third component is a suite of pre-built AI agents that can gather data, reason within configurable guardrails, perform authorised actions and provide explanations for every decision taken. The agents can be  used to customised to align with institutional policies, approval thresholds and business rules.

Fernando Zandona, Chief Executive Officer of Mambu, said, “Mambu Agentic enables AI agents to connect directly to the banking ledger, operate within predefined governance frameworks, execute authorised tasks and provide full transparency into decision-making processes.”

Combined with Mambu Core and Mambu Payments, the technology forms the foundation of Intelligent Core, which the company says can help institutions improve execution speed, reduce operational costs and support hyper-personalised financial services.