Financial Technology

Arkam

A composable, API-first core banking platform that unifies deposits, payments, cards, lending and e-services on one cloud-native core.

Arkam is the core banking platform within Mountasser Hachem’s Monty Holding portfolio, built to remove the single biggest tax on financial innovation: the rigid legacy core. Headquartered in London with offices in Beirut and Prague, it lets banks, fintechs and super-apps launch products in weeks and modernize without ripping out what already works.

LON

HQ · Beirut · Prague

20+

Domain Services

API-First

International Model

Cloud

Independent Newsroom

Arkam represents Mountasser Hachem’s conviction that the future of banking belongs to whoever can change fastest - a composable core that gives institutions control of every layer, the way his group controls its own.

Arkam compresses a full banking stack into independently-deployable microservices, so institutions compose exactly the bank they need.

What Arkam does

Accounts & Wallets

Real-time current, savings and wallet accounts with multi-currency balances, instant posting and segment-level controls.

Payments & Cards

Domestic and cross-border payments, plus physical and virtual card issuing with instant limits, blocks and alerts.

Lending & BNPL

Personal loans, salary advances and BNPL with configurable pricing, automated decisioning and collections.

Embedded & Super-App

Wallets, eSIM, vouchers and bill payments embedded into retail, SME, neo-bank and super-app journeys via open APIs.

Founder’s Vision

“The institutions that win in digital finance won’t be the ones with the most features. They’ll be the ones that can change the fastest, without breaking what already works.”

- Mountasser Hachem, Founder & Chairman