10x your customer experience Discover a limitless core for modern retail banking
Create modern retail banking on a core built for limitless scale and rapid product iteration. Launch new products faster, operate with real‑time clarity, and adapt quickly as customer expectations evolve.
Core banking designed for retail banks that need speed, flexibility and world-class security on a platform engineered for long‑term growth.
BUILT FOR RETAIL BANKING
Shape ready-built products using configurable modules, proven by leading retail banks like Chase UK. Interest, lending and deposit behaviors follow best practice patterns, giving customers consistent outcomes and teams a dependable foundation for iteration. Fundamentals built to perform at scale.
POWER TO YOUR PRODUCT TEAMS
Accelerate product creation and deployment through a no‑code UI, with the flexibility to extend the platform through event driven hooks, using any‑code for deeper personalization. This flexibility removes dependency on vendor roadmaps and heavy engineering cycles, enabling teams to adapt quickly while keeping the core stable, secure and future ready.
Predictable migration path
Modernize through a phased, test-driven approach that keeps everyone confident. Validate early, run systems in parallel, and use repeatable roll backs until everything behaves exactly as intended. Our embedded migration tooling and field-tested playbook gives your teams a predictable path to switch without the risk and disruption.
DATA THAT POWERS YOUR NEXT MOVE
Stream structured events the moment they happen and send them straight into your AI, analytics and servicing tools. Real-time data supports sharper decision making, more relevant digital journeys and smoother colleague interactions, giving every part of the bank the clarity needed to act with precision in the moment.
BUILT FOR YOUR ECOSYSTEM
Connect to your existing systems, use our integration partners, or bring your own. An API first, event driven architecture keeps integrations predictable and scalable, so channels, payments, servicing tools and third-party technologies fit into your environment with ease. As the latest technology emerges, swap in best-in-breed capabilities without disruption.
Any product; no compromise
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Deposits
Create savings accounts with flexible interest and maturity options that help customers grow their money with confidence.
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Transactional
Support everyday banking with real time balances, smooth payments and the features customers expect from a modern current account.
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Loans
Offer personal loans and overdrafts with adaptable rates, schedules and servicing options that make borrowing clearer and easier to manage.
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Credit cards
Design credit card products with configurable pricing, rewards and billing cycles, giving customers straightforward control over how they spend.
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Mortgages
Provide a range of residential mortgage options, from fixed and variable rates to offset and tracker products, tailored to different customer needs.
The implementation journey
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Proof of value (PoV)
Move fast with an 8-week PoV. Try before you buy to validate products and operational fit.
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Go live phases
Launch priority products and migrate in waves to minimize risk and accelerate value.
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Evolve continuously
Iterate and expand with zero‑impact upgrades on a platform built for the future.
CLIENT
Chase selected 10x as its foundational technology partner. The 10x platform gave Chase the infrastructure needed to operate as an agile and highly scalable digital bank, acquiring 1 million customers within its first year.
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As one of our foundational partners, 10x has been instrumental in building the technology platform. We chose 10x because we needed a modern scalable core banking platform built on micro-services and accessible via APIs, in order to drive rapid product development and to provide our customers with a world class experience.
Sanjiv Somani Former CEO, Chase UK
