Thought Machine is a London-based fintech company that builds cloud-native core banking and payments technology for the world's leading banks. Its Vault Core platform is a complete core banking system built from scratch without legacy code, designed to run natively in the cloud with horizontal scaling and continuous deployment. Vault Payments enables banks to process all payment types for every method, scheme, and region. Founded in 2014, Thought Machine was named a Leader in the 2025 Gartner Magic Quadrant for Retail Core Banking Systems. Investors include JPMorgan Chase, Lloyds Banking Group, ING, Standard Chartered, and SEB.
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