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Embedded Finance

Enabling partnerships between banks and
non-financial brands


Embedded finance helps banks reach new audiences, and non-financial brands bring value-added services to their customer journeys.

SuperCore®, our next-generation core banking platform, powers the financial backend of these experiences, enabling banks and brands to partner, integrate, and get to market quickly.

Enterprise-grade and proven in the real world, SuperCore® gives: 

  • Banks a next-generation Banking as a Service (BaaS) platform to reach new customers at a low cost.

  • Brands a way to embed new revenue streams into apps to boost customer lifetime value.

Read the use case
Speech Quote Marks

Westpac’s partnership with 10x has allowed us to offer products to customers through a transformative business model. We are reaching new customers when and how they want it, and in the palm of their hand.

Damien MacRae, Westpac
Damien MacRae
CEO - Banking as a Service, Westpac

De-risk the journey to next-generation banking

Core banking replacement - powerful managed core
Proven BaaS platform
Core banking replacement - half a day to build
Modern, real-time core enabling easy differentiation
Core banking replacement - single view of customers
Customer-centric data model
Embedded Finance icons - Supported by people and proven tech
Supported by people and proven tech you can trust

What is
Banking as a Service?

Hear from Peter Timmins, Regional Director for APAC at 10x,
as he discusses how to make BaaS work for banks, customers, and brands, or learn
how to make embedded finance work for your bank here.

Create seamless banking experiences that enrich the lives of customers

Embedded Finance - Get a ready-made BaaS platform

Get a proven Banking as a Service platform

  • Our core banking platform, which powers Westpac's BaaS offering, is trusted by the world's biggest banks.
  • It enables you to get live quickly – we’ve taken banks from contract to production in just five months. 

Read the use case


A modern, real-time core enabling easy differentiation

  • Our no-code product builder, Bank Manager, means banking products can be built, launched, and updated quickly in clicks.
  • Our API-first architecture makes integrating front and backend systems easier, and gives you ultimate control over the customer experience. 
Embedded Finance - A modern real time core
Embedded Finance - Customer centric data model

Customer-centric data model

  • Our real-time data model and Kafka events stream give you a deep understanding of every customer.
  • Get a single view of every customer, across their entire banking relationship, for better customer service, marketing, and cross-selling opportunities.
  • Multi-tenancy enables banks to run one platform with multiple brands.

Supported by people and technology you can trust

  • Core banking is complex. But many elements don’t differentiate your BaaS proposition. We manage these for you, so you can focus on evolving your proposition.
  • Our managed service ensures your core banking platform is always on, with 24x7 security operations, migration support, and much more. 
  • Our in-house teams are set up to interface with yours, enabling you to run an enterprise-grade banking proposition with less tech overheads.
Greenfield banks - Ready made integrations

Lead the market, in any market

Icon - 12 minutes to build a new product

12 minutes to create a product

Configure, test, and launch new products with just a few clicks.

Icons - 12 weeks to launch a bank

12 weeks to launch a bank

Remove complexity from your tech stack to focus on value-add activities and swift deployment.

Icons - Millions of customers in less than 12 months

Millions of customers in less than 12 months

Powered by 10x SuperCore, Chase UK moved from launch to one million customers in months.

Your journey to live with 10x


Proof of Concept


Joint discovery


Dedicated client delivery team



A proven platform powering the world’s biggest banks

Core banking replacement - transformative


A next-generation core that lets you break free from legacy tech and clears the way for growth.
Core banking replacement - predictable


Our cloud-native platform scales predictably and lowers operating costs by up to 70% (source: Bain and Co, The Digital Attackers’ Time Has Come). 
Core banking replacement - proactive


24x7 SecOps, migration support, and much more come as part of our managed service.
Core banking replacement - agile


The building blocks, integrations, and APIs you need to launch fast and lead the market.
Core banking replacement - transformative


We support digital banking propositions for the world’s biggest banks.

Marketing and Communications

Leverage customer insights

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Get ahead in any market
Arrange a discovery call to learn how