Raising the bar for BaaS
Raisin DS turns Raisin Bank into one of the first German cloud banks. Mambuβs flexible technology strengthens Raisin Bankβs position as a BaaS provider for fintechs.
Raisin Bank
About the customer
This move makes Raisin Bank, which was founded in 1973, one of the first German cloud banks. Since its acquisition by Raisin DS in 2019, the bank has focused on offering the most advanced digital solutions in account management, payments and lending for financial vendors and start-ups.
In the last years Raisin Bank has established itself as a leading European BaaS provider, with a German banking license passported in every country in the European Union.
βMigrating all of our services to Mambuβs platform enables us to add real value to our many partners and clients as well as to Raisin DS. For our continued growth as a Banking-as-a-Service provider, we now have one of the most modern and agile IT platforms among European banks. With Mambu, we have multiplied the speed with which we can scale processes and develop new applications. This step positions us to meet the rapidly increasing demand for digital banking solutions.β
- Andreas Wolf Chief Commercial Officer at Raisin Bank
The solution
Mambuβs SaaS banking platform offers maximum flexibility and speed, enabling financial institutions to rapidly configure and deploy new products, giving them a unique competitive edge.
By building with Mambu, Raisin Bank has the flexibility to swap out components as required, avoiding vendor lock-in and wholesale re-platforming. The bank has additionally created its own architecture on top of Mambu, developing interfaces for embedded banking solutions and automating previously complex processes for more efficient customer onboarding, credit decisions, repayments and real-time notifications.
βMigrating all of our services to Mambuβs platform enables us to add real value to our many partners and clients as well as to Raisin DS. For our continued growth as a Banking-as-a-Service provider, we now have one of the most modern and agile IT platforms among European banks. β
- Andreas Wolf Chief Commercial Officer at Raisin Bank
The result
Raisin Bank offers BaaS products for platforms and ecosystems, and utilizes these within Raisin DS itself for all banking operations. This means that customers profit directly from the improvements of the Raisin DS integration.
With Mambu, the bank has future-proofed its IT stack. As an API-first and cloud-native platform, Mambu aligns with Raisin Bank's customer-first philosophy, empowering the bank to create transparent, real-time customer experiences for their partners' business models. All of Mambuβs core banking processes and interfaces are cloud-based, allowing Raisin Bankβs customers to innovate and integrate services faster in a low-maintenance set-up.
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