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Thought Machine logo — Thought Machine builds the Vault platform: cloud-native core...

Thought Machine

Thought Machine builds the Vault platform: cloud-native core banking and payments technology.

Founded 2014 United Kingdom London, United Kingdom 535 employees Corporate Total: $669.50M Enterprise Software, Financial Services +3

General Information

Company Name Thought Machine
Founded Year 2014
Location United Kingdom London, United Kingdom
Founders / Decision Makers
Team member Team member
Employees 535
Industries Enterprise Software, Financial Services, Fintech +2
Funding Stage Corporate
Business Model B2B, SaaS, Platform
Revenue Model Licensing, Subscription, Usage Based
Hiring 28 roles posted in the month to 19 Oct 2026
Offices as of Oct 2026
London, United Kingdom Singapore, Singapore New York, United States
Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Actively Hiring Oct 15, 2026

Hiring for 28 positions in the last 30 days.

Award Received Oct 15, 2026

Thought Machine APAC received the Bronze award for Excellence in Employee Well-Being at the Singapore Human Resources Institute (SHRI) Awards.

New Partnership Oct 06, 2026

Thought Machine announced a partnership with Deloitte as ecosystem partners to help banks modernise with confidence.

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AI Insight

Bounce Watch AI
2 days ago

Thought Machine is strategically strengthening its market position and technological leadership, evidenced by its recent partnership with Deloitte to drive bank modernization and its active engagement in discussions on AI and digital assets at key industry events. This strategic expansion is supported by ongoing hiring for 28 positions, signalling robust growth, and reinforced by continued investor confidence from entities like Molten Ventures, which recently secured a new growth fund and lists Thought Machine as a co-investment.

Signal Types
Partnership Hiring Market Engagement Investor Activity
Strategic Labels
Ecosystem Partnering Technology Modernization Growth Expansion
Next Move: Expansion
·
Impact: 8/10
·
Ideal For: Late-Stage Fintech VCs — Banking Infrastructure

About Thought Machine

Thought Machine provides cloud-native core banking and payments technology through its Vault platform for banks and financial institutions. The company is headquartered in London, United Kingdom.

Founded in 2014, Thought Machine offers services such as Vault Core, Vault Payments, and solutions for current and transaction accounts, savings, and term deposits. Their specialized customer base includes global and national banks, mid-size and regional banks, fintechs, digital banks, and innovation-driven financial institutions. Operating on a B2B SaaS platform business model, Thought Machine generates revenue through licensing, subscription, and usage-based models.

Business keywords: cloud-native technology, core banking, payments technology, microservices architecture, API platform, engineering excellence, FinTech, banking innovation, legacy infrastructure replacement, retail banking solutions, technology transformation, modern banking software, cloud computing, banking platform development

Services & Products

Vault Core
Vault Payments
Current and Transaction Accounts
Savings and Term Deposits
Payment Orchestration
Card Issuing and Processing

Target Customers

Global and National Banks Mid-size and Regional Banks Fintechs Digital Banks Innovation-driven Financial Institutions

Funding Rounds & Investors (9)

View All
Funding Stage Amount Investors Lead Investors Date
Corporate $41.00M 3
Standard Chartered
Standard Chartered, Lloyds +1
06 Jul 2026
Late VC £45.00M -
01 Oct 2025
Late VC $160.00M 5
Intesa Sanpaolo Vita Lloyds Ventures
Intesa Sanpaolo Vita, Lloyds Ventures +3
01 May 2022
Series C $200.00M 12
BACKED Molten Ventures SC Ventures
BACKED, Molten Ventures +10
01 Nov 2021
Series B $42.00M 4
Molten Ventures British Patient Capital
Molten Ventures, British Patient Capital +2
01 Jul 2020
Support Program $83.00M 5
BACKED Molten Ventures Playfair Capital
BACKED, Molten Ventures +3
01 Mar 2020
Support Program $83.00M 5
BACKED Molten Ventures Playfair Capital
BACKED, Molten Ventures +3
01 Mar 2020
Series A £11.00M 1
Lloyds Banking Group
Lloyds Banking Group
01 Nov 2018
Seed £4.50M 3
Air Street Capital BACKED IQ Capital
Air Street Capital, BACKED +1
01 Nov 2016

Latest News

View All
Molten Ventures raises €203 million to back UK and European growth-stage tech companies — Eu-startups
Molten Ventures raises €203 million to back UK and European growth-stage tech companies
Eu-startups Sep 07, 2026
Thought Machine crosses $100M revenue and delays its London IPO to 2028 — Thenextweb
Thought Machine crosses $100M revenue and delays its London IPO to 2028
Thenextweb Jul 06, 2026
Thought Machine lands $40M funding from bank, surpasses $100M in annual revenue — Tech
Thought Machine lands $40M funding from bank, surpasses $100M in annual revenue
Tech Jul 06, 2026
Shawbrook deploys Vault Core by Thought Machine as it looks to scale commercial SME lending products — Fintechfutures.com
Shawbrook deploys Vault Core by Thought Machine as it looks to scale commercial SME lending products
Fintechfutures.com Nov 23, 2025
Thought Machine's Paul Taylor is Spear's Entrepreneur of the Year — Spearswms.com
Thought Machine's Paul Taylor is Spear's Entrepreneur of the Year
Spearswms.com Nov 23, 2025
Arvest Bank launches real-time banking capabilities using Thought Machine core technology — Prnewswire.com
Arvest Bank launches real-time banking capabilities using Thought Machine core technology
Prnewswire.com Nov 23, 2025

Thought Machine Alternatives & Competitors

View All Alternatives
Thought Machine vs
Mambu
Mambu The Netherlands

The SaaS cloud banking platform with a unique composable approach.

Series E
737 employees
Financial Services, Fintech
Compare Thought Machine vs Mambu
Thought Machine vs
Episode Six
Episode Six United States

Global provider of enterprise-grade card issuing and ledger infrastructure

Series C
167 employees
Financial Services, Fintech
Compare Thought Machine vs Episode Six
Thought Machine vs
10x Banking
10x Banking United Kingdom

The world's most powerful cloud-native core banking platform

239 employees
Financial Services, Fintech
Compare Thought Machine vs 10x Banking
Also compare with: Thought Machine vs Fimple Fimple Thought Machine vs five°degrees five°degrees View all alternatives

FAQ About Thought Machine

Thought Machine builds the Vault platform: cloud-native core banking and payments technology.
Thought Machine was founded in 2014.
Thought Machine is headquartered in London, United Kingdom. As of Oct 2026, it also has offices in Singapore, Singapore and New York, United States.
Thought Machine operates in Enterprise Software, Financial Services, Fintech, IT Infrastructure and Banking. Its work centres on cloud-native technology, core banking, payments technology and microservices architecture. Its customers include Global and National Banks, Mid-size and Regional Banks and Fintechs.
Thought Machine has a B2B, SaaS and Platform business model. Its revenue comes from Licensing, Subscription and Usage Based.
Thought Machine has approximately 535 employees.
Thought Machine has completed 9 funding rounds, raising a total of $669.50M. The latest funding stage is Corporate.
Thought Machine offers: Vault Core, Vault Payments, Current and Transaction Accounts, Savings and Term Deposits, Payment Orchestration, Card Issuing and Processing.
Top alternatives and competitors to Thought Machine include Mambu, Episode Six, 10x Banking, Mambu Payments (formerly Numeral), FinOS. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Thought Machine and Mambu are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Thought Machine, https://bouncewatch.com/company/thought-machine, updated 19 October 2026. When citing, please name BounceWatch and link this page.

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