Product update

More flexibility for lenders, better experiences for borrowers

Our lending and mortgages updates support more personalised loan structures, giving you more control over how you design, manage and deliver credit products. From smarter fee handling to more flexible repayment options, we’re helping you serve a diverse range of customers accurately with stronger outcomes.

• Configure fees on penalty calculation

You can now configure penalty calculations to include active fees - alongside overdue principal - giving you more precision when setting repayment rules. This lets you launch more creative loan structures, such as zero-interest loans, where penalties on fees are a core component of your business model.

• Manage fees without impacting the loan schedule

It is now possible to configure and manage non-interest-bearing fees without impacting the core loan schedule or triggering arrears. That means more flexibility to offer breathing room for your customers, and fewer headaches for your team by keeping your loan books clean and accurate.

• Support for unscheduled overpayments without impacting the loans schedule

Borrowers can now make unscheduled, principal-only overpayments without changing their regular repayment schedule. That ensures that their statements remain accurate, their loan terms remain fair, and you prevent confusion around interest or term changes - all while ensuring compliance.

Learn more about our Lending products:

Personal Lending Business Lending Retail mortgages

Greater control, visibility and reach

We’re continuing to evolve Mambu Payments to make it easier for you to move money quickly, transparently and securely. With more intuitive tools, improved visibility and expanded network connectivity, we’re helping your teams manage payments with confidence and control.

• Enhanced control and visibility across payments operations

We've introduced a powerful set of tools to give you greater control over your payment operations. You can now simplify migrations from legacy systems, automate downstream workflows by linking transactions to internal accounts, and track cross-border payments in real-time with Swift GPI, giving you unprecedented visibility. Your customers and teams can have full confidence in every transaction.

• Improved dashboard experience for developers and ops teams

Our Mambu Payments dashboard has undergone some major usability improvements. With faster workflows like one-click payment duplication, direct account holder management, easier event tracking, and a dedicated support page - everything is within reach from a single, streamlined interface. For your teams, this means less time navigating the system, more time delivering value.

• Expanded partner bank coverage

We have significantly expanded our payment network to provide you with more choice and efficiency for SEPA clearing. Through new integrations with Iberpay, you gain direct access to the Spanish market, while our expanded partnership with ClearBank provides you with more resilient and flexible clearing options across Europe.

Learn more about our Payments product: 

Mambu Payments

Strengthening the foundation of Islamic banking products

Leading up to the announcement of Mambu's expanded Islamic Banking capabilities, we’ve made significant progress in maturing our offering by delivering the essential financial components for our Islamic Profit Sharing (IPS) service - giving you more control and confidence when offering Shar’ah-compliant products.

• Simplified tax compliance

We’ve enabled automatic withholding tax calculation on shared profit amounts for your Islamic funding products. This enhancement ensures that any profit shared with investors or depositors is taxed correctly at the point of distribution based on local regulatory requirements. You can simplify tax handling all while assuring compliance.

• Precise financial reporting

We have introduced specific accounting categories for Mudarib share, profit expenses, and profit payables. This makes it easier to configure your accounting setup in a way that aligns precisely with principles of IPS. Build more trust with auditors, stakeholders and customers alike with clearer, more transparent records.

Learn more about our Islamic banking product:

Islamic Banking

Elevated scalability, faster insights, and enhanced customer experience

• Strengthened foundational cloud infrastructure

We have made significant investments in our underlying multi-cloud infrastructure to enhance the services we provide. Across both AWS and Azure, we have automated service delivery, migrated key components to fully managed solutions, and improved data integrity checks, resulting in a more stable, reliable, and secure platform for all our customers.

• Launched the next generation of data customisation

We have launched the next generation of our Custom Fields model, starting with savings transactions. This powerful upgrade significantly improves performance, optimises storage, and makes your data easier to both search and manage.

• Rolled out a new generation of high-performance data services

Get the answers you need faster. We’re rolling out a new wave of high-performance data services. Customers are now being migrated to Audit Trail V2, offering faster, more efficient compliance logging. We’ve also made the high-performance ‘Magic Search’ V2 available to all customers, improving user experience with faster search time to support your customer service and internal decision-making.

• Improved the reliability and delivery of data extraction

We have bolstered the reliability and speed of Mambu Extract, particularly for End-of-Day data loads. Automated provisioning speeds up setup, while a complete revamp of our internal monitoring helps us identify and alert you to potential issues proactively. Keep your mind at ease with faster access to daily operational data and fewer delays.

Learn more about our platform and Core services:

Cloud services Core services Data management and reporting