Bank on Us for Seamless Micro-Savings and Investments
Drive customer engagement and boost deposit volume by offering automated, customizable transaction roundup features linked to savings or investment accounts.
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.
The Real-Time Roundups Configuration Module
Our platform captures real-time transaction data at the point of processing, calculates the difference instantly, and routes the roundup amount to the designated savings or investment account, all with full auditability.
Real-Time Calculation and Transfer
Capture transaction data instantly and execute the fractional transfer immediately, ensuring the customer's savings or investment balance is updated in real-time.
Flexible Configuration Options
Allow customers to configure roundup rules (e.g., round to the nearest dollar or multiply the roundup amount by 2x/3x) directly via their digital banking app.
Universal Account Linking
Seamlessly link the roundup funds to any designated target account, including checking, savings, investment portfolios, or specialized sub-accounts.
Transactional Integrity and Audit Defense
Maintain complete auditability over every micro-transfer and ensure compliance with regulatory standards regarding customer authorization and fund segregation.
Non-Repudiation Audit Logs
Maintain a tamper-proof, time-stamped record of the base transaction, the roundup amount calculation, and the final transfer to the target account.
Explicit Customer Authorization
Ensure compliance by logging clear, verifiable customer consent for enabling and managing the automated transfer rule.
Data Segregation for Investments
Ensure funds earmarked for investment are securely tracked and segregated from deposit balances, meeting regulatory requirements for commingling of funds.
Engagement Analytics and Servicing
Gain granular insight into customer usage of the feature and provide engagement tools that encourage long-term adoption and track personal savings milestones.
Customer-Facing Dashboard
Provide users with a visual breakdown of their saved/invested amounts, historical roundups, and total funds contributed through the feature.
Portfolio Analytics Dashboard
Track the aggregate volume of funds moved, average roundup size, and customer segments utilizing the feature to optimize marketing and product placement.
Automated Account Notifications
Send automated push notifications or SMS alerts when significant savings milestones are reached or when roundup rules are successfully configured.