MB Philippines, Inc.
MB Philippines, Inc. (MBPhil) is a Philippines-based software vendor, founded in 1995, that provides the Express-O integrated core banking system and BSP regulatory reporting modules to rural banks, credit unions, thrift banks, and cooperative banks, serving 200+ clients domestically and selectively across Asia Pacific.
- Company typePrivate
- Founded1995
- HeadquartersErmita, Philippines
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What MB Philippines, Inc. does
MB Philippines, Inc. (MBPhil) is a privately held Philippines-based software company founded in 1995 through a collaboration between rural bankers and the Food and Agriculture Organization of the United Nations (FAO-UN). It was the first to introduce core banking software technology to the Philippine rural banking and cooperative sector and has since grown to serve over 200 financial institution clients, including international organizations in Micronesia and Korea. The company's stated vision is to become an IT solutions provider for the financial services industry across the Asia Pacific region.
The company's flagship product is the Express-O Integrated Core Banking System, a fully integrated platform covering deposits, loans, and general ledger, built on Oracle GlassFish Server, Java, PostgreSQL, TIBCO JasperReports, and Ubuntu, with both on-premise and cloud-hosted (Express-O Cloud) deployment options. The platform is extended by a suite of add-on modules: COCREE 2.0 (BSP credit and equity exposure reporting), FRP Link (BSP regulatory reporting linked to the core database), an upcoming Express-O Loan Origination System, and Express Q. MBPhil also offers professional services including system development and customization, IT consultancy, and IT training.
MBPhil generates revenue through a combination of subscription-based software licensing for the core banking system and its regulatory modules, alongside fee-based professional services (customization, consultancy, training). Distribution is primarily via direct enterprise sales with a consultative "Request a Demo" approach, targeting rural banks, credit unions, thrift banks, cooperative banks, and other financial institutions, with a board composed of executives from client rural banks providing governance and channel access.
MB Philippines, Inc. firmographics
Firmographics- Name
- MB Philippines, Inc.
- Legal name
- MB Philippines, Inc.
- Website
- https://mbphil.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- MB Philippines, Inc. (MBPhil) is a Philippines-based software vendor, founded in 1995, that provides the Express-O integrated core banking system and BSP regulatory reporting modules to rural banks, credit unions, thrift banks, and cooperative banks, serving 200+ clients domestically and selectively across Asia Pacific.
- Ownership category
- akta.pro rank
MB Philippines, Inc. industry classification
Industry- Product category
- Core Banking Software
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
Keywords
Where MB Philippines, Inc. is headquartered
LocationHeadquarters
- HQ city
- Ermita
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
MB Philippines, Inc. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Core Banking Software Licensing/Subscription: Express-O Integrated Core Banking System sold as software solution to financial institutions. Includes cloud-based (Express-O Cloud) and on-premise deployment options.
- System Development and Customization Services: Custom software development services for financial institutions, including bespoke solutions, system enhancements, legacy modernization, and API development.
- IT Consultancy Services: Expert guidance services for financial institutions including technology assessment, strategy development, digital transformation, cybersecurity consulting, and risk management.
- IT Training Services: Training programs for financial institution staff including on-site training, virtual training, blended learning, core banking system training, cybersecurity awareness, and regulatory compliance training.
- COCREE 2.0 Regulatory Reporting Solution: Reporting tool for BSP regulatory compliance, generating credit and equity exposure reports.
- FRP Link Reporting System: BSP regulatory report generation linked to Express-O database.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise software licensing for financial institutions - pricing based on institution size and requirements |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
MB Philippines, Inc. product offering
Product offeringCore offering
MB Philippines, Inc. develops and sells the proprietary Express-O Integrated Core Banking System and related modules (COCREE 2.0, FRP Link, Express-O Cloud, and Express Q) to rural banks, credit unions, thrift banks, cooperative banks, and other financial institutions in the Philippines and abroad. The company also provides System Development and Customization, IT Consultancy, and IT Training services wrapped around its banking platform.
Product overview
MB Philippines, Inc. offers a unified core banking platform, Express-O, supported by a suite of modular add-on products and professional services. The flagship Express-O Integrated Core Banking System serves as the central platform providing deposit, loans, and general ledger capabilities. It is available as a cloud-hosted deployment (Express-O Cloud) or on-premises, and integrates with specialized modules including COCREE 2.0 (BSP regulatory credit and equity reporting), FRP Link (BSP regulatory reporting), a Loan Origination System, and Express Q. Professional services include System Development and Customization, IT Consultancy Services, and IT Training Services (covering core banking operations, cybersecurity, compliance, and developer training). The company primarily targets rural banks, credit unions, thrift banks, cooperative banks, and other financial institutions.
Differentiator
Problem solved
Functional benefit
Brands
- Express-O: Express-O Integrated Core Banking System - flagship product offering deposit, loans, and general ledger modules for financial institutions
- COCREE 2.0
- FRP Link
- Express Q
- Express-O Cloud
Products and services
- Express-O Integrated Core Banking System Flagship 24-hour-online core banking platform from MB Philippines that covers deposits, loans, and general ledger in an integrated environment, targeted at rural banks, thrift banks, credit unions, cooperative banks, and other small-to-mid-size financial institutions.
- Express-O Cloud Cloud-hosted deployment variant of the Express-O Core Banking System, offered by MB Philippines to institutions that want managed, cloud-based delivery of the core banking platform.
- COCREE 2.0 (Comprehensive Credit and Equity Exposures Report) Regulatory reporting package from MB Philippines that streamlines submission of credit and equity exposure data to the Bangko Sentral ng Pilipinas by BSP-supervised financial institutions.
- FRP Link Framework product from MB Philippines that connects the Express-O Core Banking System to regulatory reporting outputs for BSP-supervised financial institutions.
- Express Q Named product within MB Philippines' Express-O product family that supports the core banking platform and is listed alongside Express-O, Express-O Cloud, COCREE 2.0, and FRP Link.
- System Development and Customization Professional service from MB Philippines that delivers bespoke software development and customization of the Express-O Core Banking System to match client-specific banking workflows and integrations.
- IT Consultancy Services Advisory service from MB Philippines providing IT strategy and consulting support to banks and financial institutions that deploy or upgrade the Express-O platform.
- IT Training Services Training service from MB Philippines that equips client teams to operate, administer, and extend the Express-O Core Banking System and related modules.
Quantifiable outcome
- 200+ financial institutions served including international organizations
- +2 more outcomes
Companies that use MB Philippines, Inc.
Customer profileNamed customers23 records
Segments5 records
Ideal customer profiles2 records
MB Philippines, Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
MB Philippines, Inc. partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
MB Philippines, Inc. competitors and assessment
Company assessmentDirect peers
- TCS BaNCS: End-to-end core banking and financial services platform used by banks across Asia, with comparable deposit, loan, and general ledger functionality. Competes for similar mid-tier and emerging-market bank clients.
- Temenos: Global leader in core banking software serving banks of all sizes, including a dedicated community-banking and emerging-market offering that competes head-to-head with MB Philippines' Express-O platform in the small-to-mid-size bank segment.
- Infosys Finacle: Comprehensive core banking, lending, and digital banking suite sold to banks globally, including emerging Asia-Pacific markets. Directly comparable to Express-O in functional scope and target buyer.
Broad incumbents
- FIS: Large incumbent financial technology vendor offering core banking, lending, and regulatory solutions for community and mid-size banks. Relevant as a competitor in the rural/cooperative banking software segment.
- Oracle Financial Services (FLEXCUBE): Incumbent core banking platform from a large enterprise software vendor, used by banks across the Philippines and broader APAC. Competes with Express-O at both the deposit/ledger and loan origination layers.
- SAP for Banking (SAP Financial Services): Large incumbent banking software suite covering core banking, deposits, and lending. Relevant as a broader-ecosystem competitor that mid-market banks may evaluate alongside Express-O.
Emerging players
- Thought Machine: Cloud-native core banking engine serving challenger and established banks. Represents the architectural direction the broader market is moving toward, putting pressure on legacy on-premise vendors like MB Philippines.
- Mambu: Cloud-native core banking platform gaining traction with digital-first and community banks globally. Represents the SaaS-style disruption risk that could pressure MB Philippines' on-premise-centric Express-O offering.
- nCino: Cloud-based banking platform with strong loan origination and account opening capabilities, increasingly targeting community and mid-size banks. Competes with MB Philippines' upcoming Loan Origination System offering.
Regional players
- Silverlake: Southeast Asia-based core banking and financial software vendor with deep penetration in Malaysian and regional banks. Highly comparable as a regional peer competing for similar mid-size and emerging-market bank contracts.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
MB Philippines, Inc. social profiles
Digital presenceMB Philippines, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
MB Philippines, Inc. leadership team
Management profileNumber of profiles
Profiles1 record
MB Philippines, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MB Philippines, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MB Philippines, Inc.
What does MB Philippines, Inc. do?
MB Philippines, Inc. develops and sells the proprietary Express-O Integrated Core Banking System and related modules (COCREE 2.0, FRP Link, Express-O Cloud, and Express Q) to rural banks, credit unions, thrift banks, cooperative banks, and other financial institutions in the Philippines and abroad. The company also provides System Development and Customization, IT Consultancy, and IT Training services wrapped around its banking platform.
Is MB Philippines, Inc. a public or private company?
MB Philippines, Inc. is a private company. It is classified as unknown and is currently operating.
When was MB Philippines, Inc. founded?
MB Philippines, Inc. was founded in 1995. It employs 1 to 10 people.
Where is MB Philippines, Inc. based?
MB Philippines, Inc. is headquartered in Ermita, Philippines, in the Asia region.
How does MB Philippines, Inc. make money?
Six revenue lines are on record. Core Banking Software Licensing/Subscription is the primary driver. The others are system Development and Customization Services, IT Consultancy Services, IT Training Services, COCREE 2.0 Regulatory Reporting Solution and FRP Link Reporting System.
Who are MB Philippines, Inc.'s main competitors?
Direct peers on record are TCS BaNCS, Temenos and Infosys Finacle. Broad incumbents are FIS, Oracle Financial Services (FLEXCUBE) and SAP for Banking (SAP Financial Services). Emerging players are Thought Machine, Mambu and nCino. Silverlake is listed as a regional player.
Does MB Philippines, Inc. have an API?
No public API is recorded for MB Philippines, Inc..
What industry is MB Philippines, Inc. in?
MB Philippines, Inc.'s product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts). Its SIC code is 6099.