Powering a new era of embedded business banking with MYOB
About MYOB
MYOB has been the go-to business management platform for small and medium enterprises across Australia and New Zealand for more than 35 years. From accounting to payroll, invoicing to compliance, MYOB has earned deep trust through decades of delivering value to hundreds of thousands of businesses.
The opportunity
MYOB saw beyond traditional accounting, toward a future where business management and banking truly connect with three key focus areas:
Seamless financial management
Small businesses juggle multiple tools and financial relationships every day. MYOB recognised the opportunity to integrate banking directly into its accounting platform making financial management seamless and unified.
Solopreneur specialisation
While most providers chase larger enterprises, MYOB focused on the fast-growing solopreneur segment who need simple, powerful tools built specifically for their world.
AI that actually helps
An intelligent, mobile-first AI-agent that could help business owners manage their money when they need it most.
The solution
Integration that makes sense
Constantinople’s API layer enables MYOB to embed banking directly into its platform combining payments, transactions, and accounting into a single, seamless experience. No handoffs. No friction. Built on APIs and software development kits delivered through Amazon Web Services infrastructure, the platform allows MYOB to integrate transaction accounts, cards, and lending through a single integration layer. Event driven processing ensures payments and settlements flow instantly into MYOB’s accounting ledger, giving businesses a real time view of their finances inside the tools they already use.
A banking suite that delivers
MYOB Solo offers full transactional banking (accounts, cards, payments) with smart business loans on the way. It’s everything a growing business needs, delivered inside the tools they already trust. Behind the scenes, Constantinople orchestrates these products through a cloud native architecture running on Amazon Elastic Kubernetes Service and AWS Lambda, enabling real time payment processing and scalable event driven workflows that support both banking operations and accounting integration.
Partnership that packs a punch
Through Great Southern Bank’s banking licence, MYOB gains access to deep banking capability and regulatory strength. Together, MYOB’s reach and Constantinople’s platform are creating a new category of financial experience for small business. Operating on AWS also ensures strong data governance across the embedded banking ecosystem. Services such as Amazon Macie automatically identify and protect sensitive financial data across the platform, allowing multiple organisations to securely share banking capabilities while maintaining strict separation of customer data and regulatory compliance.
The results
“Constantinople helps us deliver the kind of innovation small businesses actually feel — smarter, faster, and deeply embedded in how they work.”
Paul Robson, CEO, MYOB
The MYOB Solo app is live and thriving. Constantinople powers MYOB to unlock fully compliant banking seamlessly in their ecosystem, creating a category-defining experience for small businesses.
