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X>Core the Cloud Core Banking Platform for FinTech Providers  

For B2B and White-Label  Partnering

Neobanks, FinTech Operators, MNOs can rely on MLabs to modernize financial services by adopting X>Core digital banking platform for the transformational process of providing a truly digital bank to achieve business optimization. The extensibility of the X>Core platform can enable our B2B partners to reduce the lead time from design to deployment. X>Core can operate across a variety of financial business processes and applications.

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About Us 

Transparency, teamwork, technology, and collaboration are essential for progress.


MLabs has been founded with the goal of making financial services a better industry. For three years, our labs worked to gather IPs and technlogy on how low cost, efficient software for financial services can be accomplished. Unlike legacy systems companies, we focus on digital and financial platforms for contemporary needs and on how they should be designed, built, and scaled. Understanding financial services and vertical requirements, and leveraging technology is the key to provide the right mix of digital, mobile products with low cost and fast  implementation for our FinTech business partners. 


MLabs has been formed to pursue, and materialize digital changes on Financial Services. The starting vision, was to start as laboratory with specialized skills in building FinTech software platforms. To fulfill the original vision, an agile software factory was structured to assemble the mobile software, financial components and AI frameworks required to serve the demanding digital-mobile banking. MLabs assembled a team of passionate experts to design, develop, and deploy the MLabs Platform. The company keep on adding new software to make the SaaS suite easier to use and more accessible to its FinTech partners and clients.


MLabs team has a common passion and a simple mission: to improve the Financial Services software. We are a group of software engineers, product managers, data scientists and designers. We create innovative products by leveraging powerful technologies to accelerate our work in financial systems. MLabs team’s backgrounds range across different industries and countries, all passionate about FinTech. We use the latest data engineering techniques to build software that improves the speed, impact and scale to provide innovative, forward-looking software for Neobanks, FinTech and Mobile Network Operators (MNOs).  

For Embedded Finance

MLabs product suite for fast, secure digital-mobile financial services


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           True Digital Banking

MLabs SaaS platform and products are optimized for Neobanks needing loans and savings accounts, payment of bills or money transfers, and other services directly on the mobile phone. MLabs product suite address every part of the value chain through its agile and lean frameworks. Branchless banking is the new standard where the only infrastructure for miles around is a cell tower. MLabs products are built and optimized for any currency or language, fast and easy to be deployed to realize Neobanks plans. MLabs business model can help to extend the neo-banking offerings to increase customers engagement and achieve targeted markets.

     Financial Institutions

Inside Business

       Customer Lifetime Value

MLabs products are optimized for any currency or language and are easy-to-deploy and operate APIs to integrate the accounting/payment infrastructure. Connecting with the customer on a personal level is essential these days, MLabs can help providing compelling complementary financial products from Know your customer to know your business, to access emerging ecosystems and platforms with true functional differentiation. MLabs products can add new functionality in a very fast rollout. MLabs SaaS platform and products provide real-time financial services to improve the relationship with the Incumbent banks. MLabs can help to realize the new Incumbent banking plans.

        Mobile Operators

Mobile Phone

      Increase Customer Loyalty

MLabs can enable Mobile Network Operators (MNOs) to efficiently operate with loan origination agencies, 
and retailers to deliver financial services to the customers as never before. For instance, in the developing world, a person’s cell phone (SIM card) is increasingly becoming an important form of identity, but it can also be her/his only channel to financial services. MNOs can now improve their performance in digital mobile banking by incorporating MLabs products as an integral part of their value supply chain. MLabs product suite can enhance MNOs financial performance, through reduction in “customer churn” and increase in Average Revenue Per User (ARPU).

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