For challenger banks
Your licence gives you 12 months. Your delivery model spends it.
Mobilisation is a countdown: up to a year and a £50,000 deposit cap while you build. Line4 Pods ship production banking software in weeks, so the clock works for you.
maximum mobilisation for new UK banks, capped at £50k of deposits while you build
Bank of England / PRA, New Bank Start-up Unit, Mar 2026of banking leaders say their bank is behind schedule on core modernisation
IBM Institute for Business Value, survey of 700 leaders, Sep 2025of bank IT budgets are consumed supporting legacy infrastructure
McKinsey estimate, via TechInformed, May 2025Why bank delivery is slow
The mobilisation clock
Authorisation with restrictions starts a countdown. Every month spent hiring, ramping and handing off is a month of the twelve you do not get back.
Legacy eats the budget
With around 70% of IT spend on keeping the lights on, the roadmap that wins customers is funded by whatever is left.
Core migrations that never finish
94% of banking leaders admit core modernisation is behind schedule. Migration risk freezes decisions and the backlog compounds.
The Line4 way
How a Line4 Pod ships banking software in weeks
Production from week one
Senior builders paired with agentic AI, working around the clock inside your perimeter. No ramp-up, no handoffs, something ships every day.
Banking Blueprints
Proven patterns across onboarding, payments, savings, cards and lending, integrated with Mambu, Thought Machine, ClearBank and the ecosystem you already chose.
Trusted by banks that made it
First Circle credits Line4 with its transition from SME lender to multi-product SME NeoBank, and a UK challenger bank CEO calls Line4 a great advisor from the early days.
Proven in production
“Line4 was instrumental in helping us navigate the transition from SME lender to multi-product SME NeoBank.”
Patrick Lynch, CEO, First Circle
Questions we get asked
Can Line4 help during mobilisation?
Yes. Mobilisation is exactly when a Pod pays for itself: production-grade build capacity from week one, inside your governance, while your permanent team is still being hired.
Do you work with our core banking vendor?
Yes. Pods build with Mambu, Thought Machine, Temenos and modern cores, plus the surrounding stack: payments, KYC, cards and compliance tooling.
How do you handle FCA and PRA expectations?
Pods work inside your security perimeter under your governance and audit controls, delivered by senior operators who have built inside regulated institutions.
Who owns the code?
You do, from day one. No proprietary platforms, no licensing. Everything the Pod builds sits in your repositories.
Let's build something together
Book a conversation with our team to explore how a Line4 Pod can help.