“Can a Panamanian bank modernize its core infrastructure and expand LATAM payment services while maintaining a full-service banking license?”
Towerbank International Inc. is a Panamanian bank regulated by the Superintendency of Banks of Panama, offering a full range of retail and corporate banking products including savings accounts, credit cards (VISA Classic/Gold/Infinite), consumer loans, mortgages, leasing, and trade finance. The bank has differentiated itself by building TowerPay, a proprietary LATAM-focused e-commerce payment processing platform settling in US dollars, and by offering crypto-friendly checking accounts. Adoption of Mambu as core banking infrastructure suggests a modernization effort oriented toward cloud-native banking operations.
Towerbank processes payments through TowerPay (self-operated).
Towerbank's lending and capital products are provided by mambu.
The Embedded Finance Index 2026 maps 2 layers in Towerbank's stack: Payments / PSP (TowerPay (self-operated)); Lending (mambu, Car Loan, Mortgage Loan, Personal Loan and 7 others).
Towerbank is headquartered in Panama City, Panama.
Get a read on where your own stack stands against Towerbank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.