Thought Machine has developed the foundational layer of modern banking. Our cloud native core banking engine, Vault, is trusted and used by leading banks and financial institutions around the world – including JPMorgan Chase, Intesa Sanpaolo, Lloyds Banking Group, Standard Chartered, ING, Atom bank, Curve and more. This next-generation system has been written from scratch as an entirely cloud native platform and gives banks full control to build any product required to flourish in a rapidly changing world.