Case Study: Bpifrance accelerates SME financing and core banking modernization with Thought Machine

Bpifrance speeds loan processing 8x with Thought Machine

Bpifrance, the French public investment bank, sought to overcome the limitations of traditional core banking systems to build a new, cutting-edge financial service for SMEs. Their goal was to transition from multiple legacy cores to a single, modern platform that offered superior speed, scalability, and flexibility. To achieve this, they partnered with Thought Machine and its core banking platform, Vault Core.

By implementing Thought Machine's Vault Core, Bpifrance gained the ability to independently and rapidly develop new loan products using the platform's Universal Product Engine. The solution dramatically improved operational efficiency, reducing the end-to-end process speed from credit demand to payout by a factor of eight. This successful partnership has set a new standard for SME financial services in France and Bpifrance plans to migrate its entire bank and deploy Thought Machine's Vault Payments platform in the future.

Bpifrance