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Thought Machine

Thought Machine is a London-based fintech company building cloud-native core banking and payments platforms to replace outdated banking infrastructure.

Founded in 2014 by Paul Taylor, a former Google engineer and Edinburgh AI researcher, Thought Machine is a London-based company dedicated to creating technology that can run the world's banks according to the best designs and software practices of the modern age. The firm builds cloud-native core banking and payments platforms designed to replace outdated financial infrastructure. Its technical work spans cloud banking, microservices architecture, and API-first design.

The company's flagship products are Vault Core, a cloud-native core banking platform, and Vault Payments, a cloud-native payments processing platform. Both are built from scratch with a microservices architecture. Thought Machine was named a leader in the 2025 Gartner Magic Quadrant for Retail Core Banking Systems and recognized by the Financial Times as one of Europe's fastest-growing companies.

With funding exceeding £500m and a team of over 550 employees, Thought Machine maintains offices in London, New York, Singapore, Sydney, and Lisbon. The company operates within the Banking and Financial Services industry verticals.

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