For greenfield neobanks, Mambu, Thought Machine, and 10x Banking are among the most widely considered cloud-native core banking platforms. Organizations that need greater control over functionality and branding may also choose a customizable white-label core such as Kindgeek’s. These platforms are often paired with a digital banking or engagement layer such as Backbase or Q2 because the core banking system manages the ledger and banking products, while the digital layer delivers customer-facing web and mobile experiences.