CDR consumer data for Mambu.
Certified. Pre-integrated. Turnkey.
Product data is the easy part. The consumer data phase — accounts, balances, transactions flowing out of your Mambu core under consent — is where CDR programmes stall. The Moroku Mambu–Biza Connector is a certified bridge between Mambu and Australia's leading Open Banking infrastructure, delivered as a managed service.
Two phases. Two very different problems.
The CDR NBL designation rolls out in tranches. The first phase is manageable. The second is where most programmes come unstuck — because it's the phase that actually needs your core banking system.
Product reference data
Initial + Large providers. Part 2 CDR Rules.
10 May 2027 · Large
Consumer data sharing
Initial then Large providers. Part 4 CDR Rules.
Resident loans + finance leases, current month and 11-month average. Consumer data obligations from 9 Nov 2026.
Same loan measure, plus more than 500 customers. Consumer data obligations from 10 May 2027.
Below the large-provider threshold. Participation is optional — but election means full compliance.
Why most consumer-data builds stall.
Mambu is best-in-class for core banking. Biza.io is best-in-class for CDR infrastructure. Connecting them for the consumer data phase — in a production-ready, certified, monitored way — is where programmes lose six to twelve months.
The multi-vendor build
- You contract with Mambu, Biza, an SI, and a hosting partner independently
- You own the integration risk — schema mismatches, auth flows, consent lifecycle
- Certification is on your timeline, with your engineers, and your compliance team
- CDR conformance testing and production monitoring fall to your ops team
- Every Mambu or CDR API change becomes an unplanned engineering project
- Your CIO answers for the gap between platforms when something breaks
The pre-certified path
- One contract, one SLA, one vendor accountable end-to-end
- Certified connector package — tested against Mambu and Biza sandboxes
- CDR conformance baked in, validated by Biza's certification programme
- Documentation, test suite, and deployment templates delivered day one
- Managed maintenance — we absorb API version changes, not your team
- Reference deployments you can talk to before you sign
Consent in. Mambu-shaped data out.
The connector sits as a managed layer between Biza's CDR gateway and your Mambu instance. Customer consent flows in, authenticated data flows out of Mambu, through the Biza adapter and out via the CDR dashboard and APIs.
Mambu-Powered Institution
Moroku Mambu–Biza Bridge
Australia's Open Banking Layer
Consumer consent
A customer authorises an accredited recipient to access their data held at your institution, through the Biza-managed consent flow.
Authenticated request
The recipient's request arrives at your CDR endpoint over FAPI-conformant APIs. The connector validates consent scope and authorisation.
Mambu read
The Mambu adapter retrieves accounts, balances, transactions, scheduled payments, and customer data — mapped to CDR standards.
CDR response
Data is returned through the Biza gateway in conformant format. Full audit trail, consent lifecycle tracking, and dashboard updates.
What you get on day one.
Not a statement of work. A shipped, certified connector package your team can deploy, audit, and hand to your board with confidence.
Certified connector package
Versioned, signed, CDR-conformance-tested. Deployable to your cloud or hosted by Moroku.
Mambu data model mapping
Full field-level mapping between CDR standards and Mambu entities, with transformation rules documented.
Test suite & conformance evidence
Automated integration tests, CDR conformance reports, and audit-ready evidence for your compliance team.
Deployment templates
Infrastructure-as-code, runbooks, observability dashboards, and consent-lifecycle monitoring.
Managed maintenance
Ongoing support covers Mambu API versioning, CDR standards evolution, and Biza gateway updates.
Production SLA
Commercially backed service levels on consent flows, data retrieval, and write-through to Mambu.
If you run Mambu in Australia, this is for you.
The connector is purpose-built for Mambu-powered institutions subject to consumer data obligations under CDR — whether you're an existing ADI, a challenger, or a non-bank lender crossing the large- or initial-provider thresholds.
Mutual banks & credit unions
ADIs on Mambu needing full CDR data-holder and data-recipient capability.
Challenger banks
Mambu-native neobanks competing on speed-to-decision and embedded finance.
Large-provider NBLs
Loan books $500M–$10B and 500+ customers. Consumer data obligations from 10 May 2027.
Initial-provider NBLs
Loan books above $10B. Consumer data obligations from 9 November 2026 — the tightest window.
De-risked, auditable, and commercially sensible.
Pre-certified connectors aren't just faster to deploy. They fundamentally change the risk and cost profile of your CDR programme — and what your board sees when they ask how you got there.
Single throat to choke
One contracted vendor for the connector, not a four-party accountability gap when something breaks.
Audit-ready from day one
Certification evidence, CPS 234 alignment, and conformance reports packaged for your CISO and APRA.
Predictable economics
Fixed fee or annual licence — no open-ended integration timelines, no FTE drain on your engineering team.
Reference deployments
Talk to institutions already running the connector in production before you commit.
Build vs. buy the connector
Estimates drawn from observed programmes across tier-3 and tier-4 Australian financial institutions. Your numbers vary with scope, but the shape of the comparison does not. Firm pricing provided after a scoping conversation.
Start a 30-minute scoping call.
We'll walk your Mambu footprint, CDR obligations, and target timeline. If the connector fits, you leave with a scoped proposal. If it doesn't, we'll say so.