XYB
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XYB Alternatives

An alternative to XYB is another bank-technology vendor to compare for APIs, go-to-market story, and customer proof. We list 10 peers here so you can shortlist without building a full market map from scratch. It is like comparing analytics tools: the category is shared, but depth, regions, and pricing differ.

Looking for XYB Alternatives?

XYB is a leading provider of banking-os, core banking, digital banking, workflow solutions. London-based banking orchestration company, spun out of Monese. Its AFI (Adaptive Financial Infrastructure) Platform runs alongside a bank's existing ...

Below we've compiled the top 10 alternatives to XYB, ranked by feature similarity and market focus. Whether you're looking for a more affordable option, different deployment capabilities, or specific features, this comparison will help you find the right banking technology partner.

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Alternatives Found
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Categories Compared
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Target Markets
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Products

Top XYB Alternatives

1
Engine by Starling
Engine by Starling
United Kingdom
Est. 2022

Complete cloud-native banking-as-a-service platform from Starling Bank. Enables banks and financial institutions to launch and run digital banking wit...

✓ Core Banking✓ Digital BankingOpen Banking
2
Kiya.ai
Kiya.ai
India
Est. 1998

Global fintech providing cloud-native and hosted core banking solutions. Kiya.ai serves 450+ clients across 55 countries with AI-powered automation, o...

✓ Core Banking✓ Digital BankingPaymentsCompliance
3
Technisys (SoFi Technologies)
Technisys (SoFi Technologies)
United States
Est. 1996

Cloud-native digital banking platform. Acquired by SoFi in 2022. Cyberbank platform enables banks to rapidly deploy digital products.

✓ Core Banking✓ Digital Banking
4
Tuum
Tuum
EE
Est. 2019

Next-generation core banking platform founded in Estonia. API-first, cloud-agnostic, and highly configurable without coding. Microservices architectur...

✓ Core Banking✓ Digital BankingPaymentsLending
5
QI Tech
QI Tech
Brazil

Brazilian financial infratech providing end-to-end infrastructure for banking, credit, payments, and antifraud. APIs and regulated technology enable c...

✓ Core Banking✓ Digital BankingLendingPayments
6
Pismo
Pismo
Brazil
Est. 2016

Cloud-native API platform for core banking, card issuing, digital wallets, lending, and seller management. Acquired by Visa in 2024; serves banks, ret...

✓ Core Banking✓ Digital BankingPaymentscard-issuing
7
10x Banking
10x Banking
United Kingdom
Est. 2016

Cloud-native core banking platform founded by former Barclays CEO Antony Jenkins. Designed for digital-first banking with API-first architecture.

✓ Core Banking✓ Digital Banking
8
Backbase
Backbase
Netherlands
Est. 2003

AI-native Banking OS for banks that coordinates customers, employees, workflows, integrations, data, and AI agents across digital channels, front offi...

✓ banking-os✓ Core Banking✓ Digital Bankingagentic-bankingagentic-ai
9
SaaScada
SaaScada
United Kingdom
Est. 2018

Cloud-native, data-driven core banking engine built for modern operations. Uses CQRS, event sourcing, and hybrid NoSQL/SQL for real-time transaction p...

✓ Core Banking✓ Digital Banking
10
Fiserv
Fiserv
United States
Est. 1984

Leading global provider of financial services technology solutions including core banking, payments, and digital banking platforms.

✓ Core Banking✓ Digital BankingPaymentsMerchant Services

Feature Comparison

FeatureXYB
Current
Engine by StarlingKiya.aiTechnisys (SoFi Technologies)TuumQI Tech
Headquarters
United Kingdom
United Kingdom
India
United States
EE
Brazil
Founded20232022199819962019—
Clients—4450+100+20+500+
Products334345
DeploymentCloud, SaaSCloud, SaaSCloud, SaaS, HostedCloud, SaaSCloud, SaaSSaaS, Cloud
Developer Portal✗✓✗✗✗✗
Public CompanyPrivatePrivatePrivatePrivatePrivatePrivate

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