Welcome to XYB, where we're not just changing banking services — we're revolutionising them. Our mission? To fast-track the global shift towards banking that's not only innovative but also universally accessible and inclusive. In today's fast-paced digital age, traditional banking systems need to improve to meet the evolving needs of modern customers. That's where XYB steps in; we are spearheading the 5th generation of core banking with our trailblazing coreless banking platform. Our platform isn't just another product in the market; it's a beacon of excellence born from years of meticulous development, refinement, and stringent testing. It stands as a testament to our team's unrivalled expertise. Having launched Monese – a pioneering smart money service that has transformed the financial lives of millions across 31 countries, we took the technology and our know-how and launched XYB. It already powers Monese and the propositions of 2 global tier-1 banks. At XYB, we envision banking as an effortless, transparent, and profoundly personal experience. Our state-of-the-art technology, advanced analytics, and flexible modular architecture empower banks and non-banks to offer seamless, customised banking solutions. By adopting MACH (microservices, API-first, cloud-native SaaS, headless) principles and BIAN (Banking Industry Architecture Network) framework, our clients can choose from the best tools on the market today and provide a structure that makes it easy to add, replace, or remove technologies in the future. Stay tuned for the latest breakthroughs, industry insights, and exciting product launches. As we spearhead a new era in banking, we invite you to join our quest. Let's enable financial institutions to meet and exceed customer expectations, unlocking unprecedented business potential.