{
  "data_version": "seed-0.1 · 2026-08-28",
  "source": "https://banking.foundation",
  "license": "CC BY 4.0",
  "disclaimer": "Approximate reference data; not real-time; not legal or investment advice.",
  "collection": "providers",
  "count": 22,
  "data": [
    {
      "id": "temenos",
      "name": "Temenos",
      "category": "Core banking",
      "hq_country": "switzerland",
      "founded": 1993,
      "products": [
        "Temenos Transact core banking",
        "Digital banking front end",
        "Payments processing",
        "SaaS deployment on public cloud"
      ],
      "customers_note": "Used by thousands of banks worldwide, from community banks to large international institutions.",
      "website": "https://www.temenos.com",
      "description": "Geneva-based banking software company whose Transact core banking platform is one of the most widely deployed in the world. Sells core, digital and payments software to banks in more than 100 countries."
    },
    {
      "id": "fis",
      "name": "FIS",
      "category": "Core banking",
      "hq_country": "united-states",
      "founded": 1968,
      "products": [
        "Core banking platforms",
        "Payment processing",
        "Capital markets technology",
        "Digital banking"
      ],
      "customers_note": "Serves thousands of financial institutions, with a particularly large footprint among US banks.",
      "website": "https://www.fisglobal.com",
      "description": "Jacksonville, Florida-based financial technology giant providing core banking, payments and capital markets software. One of the largest bank technology vendors in the world by revenue."
    },
    {
      "id": "fiserv",
      "name": "Fiserv",
      "category": "Core banking",
      "hq_country": "united-states",
      "founded": 1984,
      "products": [
        "Core account processing (DNA, Premier)",
        "Digital banking",
        "Card and payment processing",
        "Clover merchant POS"
      ],
      "customers_note": "Thousands of US banks and credit unions run on Fiserv cores; it also serves millions of merchants through its payments business.",
      "website": "https://www.fiserv.com",
      "description": "Wisconsin-based provider of core account processing, digital banking and payments technology. Its 2019 acquisition of First Data made it one of the largest merchant acquirers and bank processors globally."
    },
    {
      "id": "jack-henry",
      "name": "Jack Henry",
      "category": "Core banking",
      "hq_country": "united-states",
      "founded": 1976,
      "products": [
        "SilverLake core banking",
        "Symitar credit union core",
        "Banno digital banking",
        "Payments and risk tools"
      ],
      "customers_note": "Primarily used by US community banks and credit unions.",
      "website": "https://www.jackhenry.com",
      "description": "Missouri-based core processing vendor focused on US community and regional financial institutions. Provides core systems for banks and credit unions plus the Banno digital banking suite."
    },
    {
      "id": "thought-machine",
      "name": "Thought Machine",
      "category": "Cloud core / infrastructure",
      "hq_country": "united-kingdom",
      "founded": 2014,
      "products": [
        "Vault Core cloud-native core banking",
        "Vault Payments",
        "Smart-contract product configuration"
      ],
      "customers_note": "Publicly announced clients include Lloyds Banking Group and Standard Chartered, alongside newer digital banks.",
      "website": "https://www.thoughtmachine.net",
      "description": "London-based company behind Vault, a cloud-native core banking engine that defines products via configurable smart contracts. Positioned as a replacement for legacy mainframe cores at both incumbent and challenger banks."
    },
    {
      "id": "mambu",
      "name": "Mambu",
      "category": "Cloud core / infrastructure",
      "hq_country": "netherlands",
      "founded": 2011,
      "products": [
        "SaaS cloud banking platform",
        "Lending engine",
        "Deposits engine",
        "API-first composable architecture"
      ],
      "customers_note": "Used by fintechs, lenders and banks launching digital products; digital bank N26 was an early, publicly known customer.",
      "website": "https://www.mambu.com",
      "description": "SaaS cloud banking platform founded in Berlin and now headquartered in Amsterdam. Provides API-first lending and deposit engines that banks and fintechs compose into their own products rather than installing on-premise cores."
    },
    {
      "id": "solaris",
      "name": "Solaris",
      "category": "Banking-as-a-Service",
      "hq_country": "germany",
      "founded": 2016,
      "products": [
        "Banking accounts via API",
        "Card issuing",
        "Lending",
        "KYC and compliance services"
      ],
      "customers_note": "European fintechs and consumer brands embed accounts, cards and lending through its APIs.",
      "website": "https://www.solarisgroup.com",
      "description": "Berlin-based banking-as-a-service platform operating with a German banking licence. Lets non-bank companies embed regulated financial products such as accounts, cards and loans via API."
    },
    {
      "id": "clearbank",
      "name": "ClearBank",
      "category": "Banking-as-a-Service",
      "hq_country": "united-kingdom",
      "founded": 2015,
      "products": [
        "Agency and embedded banking",
        "Access to UK payment schemes (FPS, Bacs, CHAPS)",
        "Accounts held at the Bank of England",
        "Real-time clearing"
      ],
      "customers_note": "Fintechs and financial institutions use it for UK payment scheme access and safeguarded accounts; Tide is a well-known customer.",
      "website": "https://www.clear.bank",
      "description": "London-based clearing bank, widely described as the first new UK clearing bank in over 250 years. Provides fintechs and banks API access to UK payment schemes and accounts rather than serving consumers directly."
    },
    {
      "id": "adyen",
      "name": "Adyen",
      "category": "Payments processing",
      "hq_country": "netherlands",
      "founded": 2006,
      "products": [
        "Global payment processing and acquiring",
        "Unified commerce / in-person terminals",
        "Card issuing",
        "Risk management"
      ],
      "customers_note": "Processes payments for large global merchants; Spotify, Uber and eBay are publicly known customers.",
      "website": "https://www.adyen.com",
      "description": "Amsterdam-based payments company offering acquiring, processing and point-of-sale on a single platform. Listed on Euronext Amsterdam and focused on large international enterprises."
    },
    {
      "id": "stripe",
      "name": "Stripe",
      "category": "Payments processing",
      "hq_country": "united-states",
      "founded": 2010,
      "products": [
        "Online payments APIs",
        "Connect for platforms and marketplaces",
        "Billing and invoicing",
        "Issuing and Treasury"
      ],
      "customers_note": "Used by millions of online businesses, from startups to large enterprises.",
      "website": "https://stripe.com",
      "description": "Developer-focused payments company founded by Patrick and John Collison, with headquarters in the US and Dublin. Its APIs handle online payments, subscriptions, marketplace payouts and embedded financial services."
    },
    {
      "id": "checkout-com",
      "name": "Checkout.com",
      "category": "Payments processing",
      "hq_country": "united-kingdom",
      "founded": 2012,
      "products": [
        "Payment gateway and acquiring",
        "Payouts",
        "Fraud and risk tools"
      ],
      "customers_note": "Serves large digital merchants and fintechs, with a strong presence in Europe and the Middle East.",
      "website": "https://www.checkout.com",
      "description": "London-based payments processor founded by Guillaume Pousaz, providing gateway, acquiring and payout services through a single API. Grew into one of Europe's most valuable private fintechs on the back of large e-commerce and fintech clients."
    },
    {
      "id": "worldpay",
      "name": "Worldpay",
      "category": "Payments processing",
      "hq_country": "united-states",
      "founded": null,
      "products": [
        "Merchant acquiring",
        "Online and in-store payment processing",
        "eCommerce gateway services"
      ],
      "customers_note": "Processes card payments for merchants of all sizes worldwide, handling tens of billions of transactions annually.",
      "website": "https://www.worldpay.com",
      "description": "One of the world's largest merchant acquirers, formed from the combination of UK-based Worldpay and US processor Vantiv. Acquired by FIS in 2019 and spun out as an independent company again in 2024."
    },
    {
      "id": "marqeta",
      "name": "Marqeta",
      "category": "Card issuing",
      "hq_country": "united-states",
      "founded": 2010,
      "products": [
        "Modern card issuing platform",
        "Virtual cards",
        "Just-in-time funding",
        "Program management"
      ],
      "customers_note": "Powers card programs for fintechs and on-demand platforms; Block (Square/Cash App) has been a flagship, publicly disclosed customer.",
      "website": "https://www.marqeta.com",
      "description": "Oakland, California-based card issuing platform that lets companies create and control physical and virtual card programs via API. Listed on Nasdaq in 2021."
    },
    {
      "id": "lithic",
      "name": "Lithic",
      "category": "Card issuing",
      "hq_country": "united-states",
      "founded": 2014,
      "products": [
        "Card issuing API",
        "Virtual and physical cards",
        "Spend controls"
      ],
      "customers_note": "Used by startups and fintechs embedding card programs into their products.",
      "website": "https://www.lithic.com",
      "description": "New York-based card issuing company that began as consumer virtual-card service Privacy.com before rebranding as Lithic in 2021. Provides developer-first APIs for launching virtual and physical card programs."
    },
    {
      "id": "plaid",
      "name": "Plaid",
      "category": "Open banking / data",
      "hq_country": "united-states",
      "founded": 2013,
      "products": [
        "Bank account linking APIs",
        "Account and transaction data",
        "Identity verification",
        "Payments initiation"
      ],
      "customers_note": "Thousands of fintech apps use Plaid to connect to users' bank accounts, including well-known names like Venmo and Robinhood.",
      "website": "https://plaid.com",
      "description": "San Francisco-based data network that connects consumer bank accounts to fintech applications across North America and Europe. Its planned acquisition by Visa was abandoned in 2021 after antitrust scrutiny."
    },
    {
      "id": "tink",
      "name": "Tink",
      "category": "Open banking / data",
      "hq_country": "sweden",
      "founded": 2012,
      "products": [
        "Account aggregation",
        "Payment initiation",
        "Data enrichment",
        "Risk and income checks"
      ],
      "customers_note": "European banks, fintechs and payment companies use its open banking connectivity.",
      "website": "https://tink.com",
      "description": "Stockholm-based open banking platform providing account data and payment initiation across Europe. Acquired by Visa in 2022."
    },
    {
      "id": "truelayer",
      "name": "TrueLayer",
      "category": "Open banking / data",
      "hq_country": "united-kingdom",
      "founded": 2016,
      "products": [
        "Pay-by-bank open banking payments",
        "Account data API",
        "Payouts and refunds"
      ],
      "customers_note": "Fintechs, e-commerce and trading platforms in the UK and Europe use it for account-to-account payments.",
      "website": "https://truelayer.com",
      "description": "London-based open banking company focused on account-to-account (pay-by-bank) payments and financial data APIs. One of the leading open banking payment providers in the UK and Europe."
    },
    {
      "id": "alloy",
      "name": "Alloy",
      "category": "KYC / identity",
      "hq_country": "united-states",
      "founded": 2015,
      "products": [
        "Identity decisioning platform",
        "KYC/KYB orchestration",
        "Ongoing monitoring",
        "Fraud controls"
      ],
      "customers_note": "Used by hundreds of banks and fintechs, mainly in the US, to automate onboarding decisions.",
      "website": "https://www.alloy.com",
      "description": "New York-based identity decisioning platform that orchestrates KYC, KYB and fraud data sources into a single onboarding and monitoring workflow for banks and fintechs."
    },
    {
      "id": "onfido",
      "name": "Onfido",
      "category": "KYC / identity",
      "hq_country": "united-kingdom",
      "founded": 2012,
      "products": [
        "Document identity verification",
        "Biometric / selfie verification",
        "Fraud detection"
      ],
      "customers_note": "Fintechs, banks and marketplaces worldwide use it to verify users at signup; Revolut is a well-known customer.",
      "website": "https://onfido.com",
      "description": "London-founded identity verification company that matches government ID documents with facial biometrics to onboard users remotely. Acquired by Entrust in 2024."
    },
    {
      "id": "jumio",
      "name": "Jumio",
      "category": "KYC / identity",
      "hq_country": "united-states",
      "founded": 2010,
      "products": [
        "ID document verification",
        "Liveness and biometric checks",
        "AML screening"
      ],
      "customers_note": "Used by banks, fintechs, travel and sharing-economy companies to verify customer identities online.",
      "website": "https://www.jumio.com",
      "description": "California-based identity verification provider offering document checks, liveness detection and screening for remote customer onboarding. One of the longest-established vendors in online KYC."
    },
    {
      "id": "complyadvantage",
      "name": "ComplyAdvantage",
      "category": "AML / fraud",
      "hq_country": "united-kingdom",
      "founded": 2014,
      "products": [
        "Sanctions and PEP screening",
        "Adverse media screening",
        "Transaction monitoring"
      ],
      "customers_note": "Fintechs, banks and payment companies use its screening data and monitoring tools for AML compliance.",
      "website": "https://complyadvantage.com",
      "description": "London-based AML data and software company that maintains a proprietary, machine-learning-driven database of sanctions, PEPs and adverse media. Provides screening and transaction monitoring APIs for compliance teams."
    },
    {
      "id": "feedzai",
      "name": "Feedzai",
      "category": "AML / fraud",
      "hq_country": "portugal",
      "founded": 2011,
      "products": [
        "Machine learning fraud detection",
        "AML transaction monitoring",
        "Risk scoring / RiskOps platform"
      ],
      "customers_note": "Large banks, payment processors and merchants use it to score transactions for fraud and financial crime.",
      "website": "https://feedzai.com",
      "description": "Portuguese-founded risk management company using machine learning to detect payment fraud and money laundering in real time. Serves some of the world's largest banks and processors."
    }
  ]
}