Bank on Us for Digital Consumer Accounts
Launch diverse, personalized retail deposit products, from high-yield savings to multi-currency checking, with a focus on seamless digital onboarding and regulatory compliance.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Agile Consumer Account Management
Our engine allows for rapid configuration and management of various retail deposit types, supporting real-time transaction processing, variable interest rates, and seamless integration into customer-facing mobile applications.
Frictionless Digital Onboarding
Utilize APIs to integrate digital identity verification and compliance checks, allowing customers to open accounts in minutes via mobile or web.
Personalized Product Configuration
Configure bespoke checking, savings, and term deposit accounts, enabling personalized features like savings pots, round-up programs, and custom interest accrual rules.
Real-Time Transaction Posting
Ensure instant updates and real-time ledger reconciliation, eliminating float and providing customers with immediate, accurate balance information.
Deposit Protection and Data Privacy
Maintain the highest level of trust with consumers through robust data encryption, regulatory reporting support, and seamless integration with deposit insurance schemes (e.g., FDIC, FSCS).
Comprehensive KYC/AML Integration
Automate customer identity verification and ongoing screening to meet regulatory standards for Anti-Money Laundering (AML) and Know Your Customer (KYC).
Secure Data Encryption (AES-256)
Ensure all personally identifiable information (PII) and financial data are secured using industry-leading encryption protocols, ensuring data privacy compliance.
Regulatory Reporting Automation
Automatically generate and file required reports related to deposit activity, interest paid, and tax reporting (e.g., 1099 forms).
Advanced Account Servicing and Management
Manage the complexity of large deposit volumes with automated fee collection, dispute resolution workflows, and integrated customer communication tools.
Automated Fee and Interest Calculation
Define and automate complex rules for interest accrual, service fees, and penalties, ensuring accurate and compliant charging.
Seamless Dispute and Fraud Management
Integrate with internal and external fraud monitoring systems and provide structured workflows for handling transaction disputes and chargebacks efficiently.
Self-Service API Access
Expose controlled API endpoints to enable customers to manage alerts, update personal details, and configure account settings directly via your digital channels.