Summary

Thought Machine, founded in London in 2014 by former Google engineers, is one of the UK’s most innovative fintech IT companies. Its flagship product, Vault, is a cloud-native core banking platform that allows banks to modernise their infrastructure without the limitations of legacy mainframes. Vault’s architecture enables real-time product configuration, dynamic interest calculation, multi-currency support, and rapid deployment of new services—all powered by APIs and containerised microservices. Banks such as Lloyds, Standard Chartered, and SEB have adopted the platform to accelerate their digital transformation.