Go beyond digitization Build the products & services your members deserve
Serve long‑standing customers and digital‑first generations alike with the 10x Banking Platform, bringing savings, mortgages and more to market faster – safely, sustainably, and with a lower total cost of ownership.
Core banking purpose‑built for customer‑owned banks, mutuals, and building societies.
Built for mutuals
Launch ready‑built savings products (including ISAs) and mortgages used by customer‑owned banks such as The Co‑operative Bank and West Brom Building Society. We also support current accounts, loans, and SME banking. All offerings are configurable to meet member needs and regulatory requirements.
Your platform, your way
Deliver fast, digital transformation for your members with ready‑to‑go modular building blocks that have been tested in market by leading retail banks. Accelerate product creation and deployment through a no‑code UI, with the flexibility to extend the platform using any‑code for deeper personalization.
Data you can act on
Empower your teams with real-time data to fuel analytics and AI decisioning – without batch lag or snapshots. Customers benefit too with rich transaction details and personalized experiences. Use events from on and off the 10x platform to trigger dynamic rates, fees, rewards, product offers, and more.
De-risked migration
Apply a proven repeatable migration approach. Bulk‑load entities in any order, validate in staging, reconcile balances and transaction counts, monitor dashboards, and run near‑live rollbacks – de‑risking go‑live across products, brands, or groups.
best-of-breed technology
Choose the technology that fits your strategy with 10x at the core. Leverage our partners with tested end-to-end solutions like Deloitte’s Converge and Constantinople’s platform, or bring your own systems integrators and third‑party providers.
Values aligned
Our mission is to make banking 10x better for everyone, including your members. We are the first B-Corp certified core banking platform, meeting the highest levels of environmental and social sustainability.
Live within a year: the implementation journey
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Proof of value (PoV)
Move fast with an 8-week PoV. We take a priority journey like digital savings front-to-back to de-risk and validate fit.
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Go live phases
Most mutuals can go live with savings then mortgages in 6-12 months, depending on ecosystem integration.
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Evolve continuously
Iterate and expand with zero‑impact upgrades. Add products and partners without re‑platforming.
Any product: no compromise
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Mortgages
Mortgages for every need – fixed, variable, tracker, offset, bonus, self-build, cash-back, and multi-party.
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Savings & deposits
Maximize returns and manage liquidity with flexible deposit products.
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Transactional
Streamline payments, collections, and cash flow with transactional account products.
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Loans
Create lending solutions to support expansion, manage working capital and inter lending.
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Credit cards
Build credit card products with specific rates for different balances, define arrears reporting, grace periods and any type of rate format.
We chose 10x for their real-time, cloud-native core ledger, allowing us to move away from batch processing to meet more of our member’s needs straight away.
Martin Boyle COO, West Brom Building SocietyThe 10x difference
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Solve Performance & scalability
Proven Scalability; lower costs, lower downtime and lower regulatory risks
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Unlock Product & service innovation
Increase speed to market, increase customers and lower costs
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De-risked Enterprise grade security
Reduce security/data risks and lower regulatory risks
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Underpin with Simplified architecture
Lower costs, lower latency and strengthened controls
