After a decade of success working with leading eCommerce providers, Credorax set itself a new challenge. The company aimed to move beyond its traditional focus on acquiring banking and establish itself as a fintech disruptor. To achieve this, Credorax recently gained a full European commercial banking licence and deployed Temenos T24 Transact running on Microsoft Azure. The open platform will enable the company to develop a new range of services and take advantage of the emerging age of API-based banking. With Temenos on its side, Credorax has the tools to challenge established retail banks and attain new standards for innovation.