Nextbank Cloud Core Banking

Nextbank is a banking technology provider with a stated presence since 2017, headquarters listed in Clark Freeport Zone, Philippines, an executive office in Taguig and a development centre in Krakow, Poland. It sells a bank-in-a-box stack for digital, thrift and rural banks, pawn shops, cooperative banks and financing companies.

The stack has four suites: core banking with business intelligence, mobile banking with internet and agency banking, loan management with origination and AI-driven credit scoring, and payment systems with a hub, gateway and fraud management through a partner. The site says more than 60 banks use the core and mobile banking system. Named customers include Uno Bank, RCBC Diskartech and Agricultural Bank of the Philippines.

• Cloud Core Banking: deposits, accounts and business intelligence for banks and cooperatives.
• Mobile Banking Suite: mobile banking, internet banking and agency banking.
• Loan Management Suite: loan management, loan origination and AI-driven credit scoring.
• Payment System Suite: payment hub, payment gateway and fraud management.
• Rural bank focus: target segments include thrift, rural and cooperative banks.
• Cloud migration: migration of existing bank cores to the cloud, shown in the Mt Carmel Rural Bank case.

A Vietnamese people's credit fund could move its core and lending processes to a cloud platform. A cooperative with large membership could add mobile banking and eKYC. A rural lender could use credit scoring to speed up small loan decisions.

One vendor covers core, mobile, lending and payments, which reduces integration work for small banks. The site cites Diskartech v1.0 built in 6 weeks with 1 million users onboarded in the first 38 days. A pawnshop customer reports annual loan volume up 758%. Cloud migration support helps rural banks with limited IT staff.

Rural and cooperative lenders in Southeast Asia often have limited IT budgets and few skilled staff, which favours cloud cores sold as a ready stack. Cooperatives with large memberships are also adding mobile banking, eKYC and digital payments. Vietnam's people's credit funds and rural lenders show a similar profile.

Headquarters listed at Clark Freeport Zone, Philippines, with a development centre in Krakow, Poland. In July 2026 Philippine Star reported that SIDC, the largest agricultural cooperative in the Philippines with 57,514 regular members, adopted the cloud core banking system.