Alternatives to Banyan

Plaid is an international data network that powers tools used by millions of people to live a more healthy financial life. Our ambition is to facilitate an inclusive, competitive and mutually beneficial financial systems by simplifying payments and revolutionizing lending. Plaid works with more than 8,000 companies, including fintechs such as Venmo and SoFi and several Fortune 500 companies, to give people more control and choice over how they manage money. Plaid is headquartered in San Francisco and its network spans more than 12,000 institutions throughout the US, Canada UK and Europe.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Quickly establish bank accounts, provide cryptocurrency wallets, facilitate payments, and distribute cards to your clients. Solid presents a comprehensive and compliant array of FinTech solutions. You can integrate it in just minutes to craft unprecedented user experiences. With Solid’s Banking as a Service (BaaS), businesses can develop and introduce various deposit offerings, including both business and personal checking accounts. This service encompasses everything from ledgers to statements, providing all the essentials for creating enjoyable banking interactions. The Card Issuance and Management platform from Solid is pioneering, allowing for the issuance of cards that cater to your customers' requirements through a single API. Both physical and virtual credit, debit, and prepaid cards are entirely overseen by Solid. Elevate your customer engagement with a streamlined and robust experience embedded in your product, utilizing Solid's instant account creation API. Additionally, you can quickly issue customized physical and virtual cards, complete with the necessary spending controls using Solid's card API, ensuring that your clients have all the tools they need at their fingertips.

End-to-end solutions for payment processing, acquiring and white label cards, including white label cards, for banks, PSP-s and Fintech-s as well as online merchants. A robust payment system that accelerates business growth. Processing, certified in-house PCI Level 1 processing for VISA, Mastercard scheme Issuers and Acquirers throughout EUROPE and the Asia-Pacific region. The technical processing service includes a top-of-the-line E-commerce payment gateway solution. DECTA Gateway API. Integration for authorization switching can be done via REST API or ISO 8583-based protocol. DECTA Issuing is used for live program management. Clearing and switching. DECTA uses ActiveActive deployment for all critical processing system, which allows for up to 99.99% uptime, even with planned downtimes for system upgrades or ICO releases.

We are transforming the financial technology environment into a welcoming space. Gone are the days of arduous 'digital transformation journeys' that require complete overhauls. Instead, we offer a low-code, plug-and-play model that allows our products to be immediately effective for your needs. Our mission is to empower banks and insurance companies to prioritize their customers by providing innovative solutions and products. Today's customers demand seamless interactions, smooth interfaces, and intuitive data flows—all while keeping a personal touch intact. Financial institutions are discovering the importance of viewing their customers as individuals before categorizing them as clients. Although this is a challenging shift, FintechOS offers an adaptive data core that can assimilate various data points from both your internal systems and external sources, enabling you to lead the way in data-driven decision-making, customized customer experiences, and specialized offerings. By embracing this approach, organizations can create lasting relationships with their clients and foster loyalty in an ever-evolving market.

Credit solutions that operate independently of banks. Launch a compliant credit offering in just weeks rather than the typical months, as securing bank sponsorships and state licenses can take several years. Onbo provides fully licensed and compliant credit options that seamlessly integrate into your broader financial services, enabling a rapid go-to-market strategy. You have the flexibility to implement your own KYC, fraud prevention, and underwriting guidelines. Getting started is straightforward, and the products can be tailored to grow with your business. We assist you with debt capital of up to $1 million at no initial cost to you, and as you expand, we connect you with our debt capital partners to secure your first facility. Additionally, a credit builder feature empowers users to enhance their credit scores through microloans for everyday expenditures. Our personal loans come with the ability to adjust 15 different parameters and are supported by our adaptable loan management system, “LMS.” Furthermore, revolving lines of credit provide borrowers with an increased capacity for spending, making them an attractive option for financial flexibility. This comprehensive support ensures that your credit offerings can evolve and meet diverse customer needs effectively.

Hoox serves as a dynamic customer activation platform tailored for financial service providers, enabling banks and card issuers to effectively connect with their clients to secure their place as the preferred payment option. By providing real-time, personalized incentives through partnering merchants, card issuers can successfully reduce cart abandonment rates and enhance conversion rates. The platform operates as a SaaS solution, empowering issuers to reach their customers beyond their immediate networks with dynamic and measurable incentives that truly deliver results. Additionally, Hoox supplies merchants with an embedded finance solution designed to engage consumers with externally funded personalized incentives, offering them a complimentary avenue for revenue enhancement, minimizing cart abandonment, lowering card processing fees, and facilitating seamless integration with various issuer partners and e-commerce platforms. Ultimately, Hoox enhances card usage by providing cardholders with tailored incentives in real-time during their shopping experiences, ensuring that both merchants and issuers benefit from increased customer engagement. This collaborative approach not only bolsters loyalty but also creates a win-win scenario for all parties involved.

Rightfoot offers a secure way for millions of users to connect to both business and personal accounts without the hassle of logging in. By utilizing our unique technology, we remove the need for customers to remember multiple passwords for their various financial accounts. Rightfoot brings clarity to previously hidden accounts, providing a detailed overview of your customers' financial situations. Since the last update from credit bureaus, a customer's financial status may have significantly shifted. By accessing the most accurate data available, Rightfoot empowers you to make informed underwriting choices. Evaluate creditworthiness with insights into chargebacks, payment disputes, and additional factors. Enhance customer experiences by mitigating the typical 40% drop-off rate in the industry. Furthermore, tap into detailed financial data at the customer level to tailor your product offerings precisely. This level of customization can lead to increased customer satisfaction and loyalty as they feel more understood and catered to.

Parafin delivers the essential connective framework that strengthens and sustains financial services. We manage various aspects such as sourcing, underwriting, origination, servicing, compliance, and risk management, among others. Our journey begins with exceptional underwriting practices. Utilizing advanced machine learning models, we analyze data from millions of businesses spanning diverse industries to assess eligibility for offers and optimize the experience for merchants. Additionally, we have developed a sleek, white-labeled user interface that integrates effortlessly into your current platform. We assume the risk and guarantee that our offerings adhere to a multitude of government regulations. By expertly navigating the intricacies of capital markets for you, we ensure a smooth operational flow. Collaborating with top-tier financial institutions, including Jefferies and Silicon Valley Bank, allows us to maintain a consistent influx of funds to support your merchants. Beyond merely providing a framework, our all-inclusive solution delivers a comprehensive financial services program tailored to meet your needs. In essence, we empower businesses through seamless access to capital and compliance, enhancing their overall functionality and market presence.

Envestnet | Yodlee stands out as a premier platform for data aggregation and analytics, enhancing the financial lives of consumers through cutting-edge products and services tailored for over 1,400 financial institutions and FinTech firms, which include 16 of the top 20 banks in the United States. We are at the forefront of revolutionizing financial applications and services with comprehensive solutions designed for wealth managers, banks, merchants, and beyond. Discover how we can assist in your growth journey. Our robust data aggregation platform empowers financial institutions and FinTechs to facilitate improved financial outcomes for consumers. We prioritize industry-leading standards for data security, compliance with regulations, and protection of privacy. Stay updated with insights from Bill Crager regarding Envestnet's ongoing commitment to purposeful action. Additionally, explore our extensive collection of white papers, on-demand webinars, eBooks, case studies, and much more, all filled with valuable product information and practical guidance to help you succeed in the financial sector. Together, we can drive innovation and excellence in financial services.

Chargebacks911®, is a true end-to-end solution for chargeback prevention and remediation. Their unique approach to profit recovery and risk mitigation is based upon real-world experience. Cb911's unique technologies and global solutions enhance every touchpoint of the chargeback chain. Their patent-pending combination of AI and human analysis maximizes chargeback management, from standard processes for banks and FIs to award-winning revenue recovery/prevention for merchants. The company's products can be implemented quickly and easily, and are compatible with all existing systems. All security standards are met or exceeded by PCI1 (highest) and SOC2 compliance. Chargebacks911 boasts a greater number of integrations and partnerships than any other provider. They also have more data and experience on the chargeback process. Cb911 was named Best Chargeback Management Software, Best B2B software and many other awards.

Founded two decades ago as a fintech division of the Bankai group. Whether your focus is payments, banking, embedded finance, or transaction processing, MobiFin provides the ideal foundation for the next-generation use cases. Over 200 organizations trust MobiFin to deliver seamless financial services.

Imagine a future where precision and correctness are achieved through advanced AI technology, enabling businesses to bring their products to market with greater speed and simplicity, while also enhancing customer acquisition through personalized lending solutions and superior experiences; this is the reality that Lentra embodies. Lentra is a revolutionary platform designed specifically for the financial sector, meticulously crafted to meet every expectation of modern financial institutions. It offers a ready-to-use solution that can be deployed swiftly, featuring tailored customer journeys supported by a microservices architecture. With a pay-per-user or transaction SaaS model, there is no upfront capital expenditure required, ensuring accessibility for all types of organizations. The platform operates continuously, backed by dedicated data centers and reinforced by a robust, secure infrastructure. Its API-driven approach allows for seamless integration with third-party services, while horizontal scaling capabilities enable it to adapt to growing demands. Covering a wide range of lending needs from personal loans to credit cards, Lentra also empowers merchants to become effective cross-sell agents, proving itself as a comprehensive solution for any financial institution. This innovative platform not only enhances operational efficiency but also transforms the way lending is approached in the industry.

Introducing the most intelligent fintech platform for innovative thinkers. If you possess a groundbreaking idea, we provide the necessary platform to bring it to fruition. Our customizable digital finance software-as-a-service (SaaS) enables you to swiftly launch and monetize fresh solutions tailored for your clientele. Whether you require cards, financing products, or bank accounts, you can select from Toqio's diverse offerings to create a distinctive market proposal. You can either utilize our pre-integrated fintech and financial service partners or seamlessly connect your own solutions to the Toqio ecosystem. Our white label SaaS platform empowers you to showcase your brand with a personalized aesthetic and user experience that reflects your vision. Toqio hosts and manages all applications, allowing clients to leverage our continuous stream of innovative products. Developing your new financial application becomes a straightforward, quick, and affordable process. With our readily available fintech SaaS platform and marketplace, innovation is more accessible than ever. Now you can access comprehensive products required to compete with the leading figures in the fintech industry and transform your ideas into reality.

Quiltt provides a comprehensive consumer fintech infrastructure that enables anyone to create cutting-edge financial solutions effortlessly. This is achievable without complexity. We have meticulously woven together the essential tools that innovators require to swiftly introduce customer-oriented features such as account linking, budgeting tools, bill management, and more, significantly reducing both time and costs. The Quiltt Connect feature is an embeddable user interface module that offers a rich, contextual financial overview of your clientele. Utilizing the robust Quiltt GraphQL API, Connect is seamlessly integrated with Plaid's top-tier bank data network and Spade's advanced transaction enrichment capabilities. Integrating Connect into your product is as simple as adding a few lines of code, allowing your team to concentrate on developing your key innovations while enhancing the user experience. With Quiltt, launching a financial product that meets modern demands has never been easier.

Affordable banking software designed for non-profit organizations is available through DLS Financials, which streamlines the process of managing savings and loan accounts according to the workflow. Users can customize their settings by creating personalized drop-down lists that allow for quick field completion. Features are included to help parishes avoid excessive debt, enhancing financial stability. The platform supports the integration of various documents, spreadsheets, emails, images, and PDFs, linking them to specific locations, accounts, or transactions for convenient access. Automatic transactions can be set up for recurring events, greatly simplifying financial management. The global functions enable users to conduct extensive tasks effortlessly with just one click. DLS Financials is particularly adaptable, catering to a diverse range of user requirements, and it offers numerous configurations and default options. Moreover, users can request additional management reports, functions, and features, ensuring that the software aligns perfectly with their operational needs, fostering a more efficient and customized banking experience. This flexibility makes it a valuable tool for any organization looking to optimize their financial management processes.

At Jocata Financial Advisory and Technology, we are focused on developing innovative solutions for the BFSI sector, including digital lending, onboarding, AML, and fraud management systems. Based in Hyderabad, we cater to numerous prominent banks and NBFCs both in India and internationally. Our advanced technology platform, Jocata GRID, is designed as a dynamic digital ecosystem that efficiently processes millions of transactions daily, providing solutions that enhance business growth, improve operational efficiency, deliver risk-adjusted insights, and maintain regulatory compliance. Our customizable workflow engine integrates all essential operational participants into a cohesive virtual platform, facilitating effective management and oversight of business processes. We streamline the process of gathering customer information from various sources such as financial institutions, watchlists, statutory authorities, credit bureaus, and social networks, and we leverage cutting-edge technologies to analyze this data before presenting it in the most user-friendly format possible. This holistic approach not only strengthens our clients' capabilities but also positions them to adapt to the rapidly evolving financial landscape.

E6 provides a robust infrastructure for leading banks and fintech companies alike, enabling swift implementation of cutting-edge payment solutions while allowing for real-time adaptability. With our advanced payment technology, you’ll consistently stay ahead of emerging trends and seize opportunities in the 21st century. Don't allow outdated systems to hinder your progress; instead, harness the potential of TRITIUM, E6's dynamic payments platform, which is designed to innovate paytech and ensure security and reliability that will impress your CIO. Whether your goal is to modernize your payment technology, expand your business, or outpace your competitors, TRITIUM stands out as the premier option. Your success is not a matter of luck; share your ambitions with us. From introducing groundbreaking products to enabling Banking as a Service (BaaS), TRITIUM serves as a versatile payment platform capable of addressing nearly any payment scenario. Our state-of-the-art technology will not only streamline your payment operations but also significantly reduce costs, setting you up for sustained growth and success in the evolving financial landscape.

Businesses and consumers are reshaping their expectations regarding interactions with financial institutions, placing less emphasis on geographic presence and focusing instead on the institution's capability to engage with them effectively. Fiserv provides businesses with cutting-edge solutions designed to control costs, enhance and secure revenue, and manage the risks involved in payment processing while also fostering strong customer relationships. The current landscape has compelled financial institutions to reconsider the role of digital channels and real-time payment systems in meeting consumer demands for seamless experiences. With Fiserv’s offerings, whether customers are making payments in person, online, or via mobile devices, organizations can fully leverage the advantages of electronic payment processing. This adaptability not only meets the evolving needs of consumers but also positions businesses for sustained growth in a rapidly changing market.

As the premier partner in currency technology, our reputation is built on the trust of some of the most prominent organizations globally, which is reflected in our name. Over 200 of the world's leading and most innovative entities rely on our services. Our subscription-driven SaaS platform and transactional network form a crucial part of their operational framework, addressing needs in payments, pricing, trading, and risk management. Our adaptable cloud-based SaaS technology guarantees the most dependable trading solutions available, with the flexibility to grow alongside your business goals. Designed with a comprehensive workflow, our platform efficiently supports liquidity aggregation, risk management, and essential FX operations at a consistent subscription rate. We cater to banks, brokers, and cross-border payment companies, providing both internal and external currency services along with trading solutions. Additionally, we facilitate access to the expanding cryptocurrency sector, ensuring an institutional-grade trading experience characterized by reliability and performance. With our innovative technology, organizations can confidently navigate the complexities of the global currency market.

The Varsgen Authenticator serves the dual purpose of verifying customer identities and facilitating effective communication with them. Utilizing its proprietary token technology in conjunction with SMS and email, Varsgen enhances the authentication process for both customer identities and their devices. An additional feature of Varsgen Services, the device tracking add-on, monitors devices as they navigate through different networks, significantly improving the system's capability to identify fraudulent activities. By following the paths of fraudsters engaging in unauthorized purchases, this tool provides vital intelligence. Varsgen Complete equips merchants with a comprehensive suite of reports that offer valuable insights for outsmarting fraudsters. Furthermore, this service includes chargeback support, allowing your team to focus on their core responsibilities rather than getting overwhelmed by chargeback-related paperwork and administration. In an increasingly competitive market, it is crucial for merchants to understand their customers comprehensively, while customers increasingly desire trustworthy communication from the merchants they interact with. Thus, fostering this trust can lead to stronger customer loyalty and improved business outcomes.

Protect your e-Commerce revenue & margins from promotion code abuse, journey hijacking, and attribution fraud with cleanCART by clean.io. An easily implemented and effective solution for merchants utilizing affiliate programs and discount codes to drive online sales. Say goodbye to lost or stolen revenue and take back control of your discount strategy and user experience by blocking browser pop-ups and disruptive injections Stop extensions like Honey & CapitalOneShopping from injecting unauthorized or scraped discount codes at checkout. Scale your business and run promotions with the peace of mind that cleanCART has your back. Say goodbye to shutting down leaked discount codes. Gain the ability to accurately monitor marketing efficacy and affiliate fee attribution with real-time reporting and insights: -Which extensions are being used & how they are affecting your site -Revenue lost to coupon extensions & Revenue Recovered with cleanCART -Affiliate Attribution Fraud Monitoring & Prevention

ChargebackHelp offers merchants comprehensive protection against various types of disputes, including fraud and friendly fraud. The CBH+ service enhances your transaction data by integrating it with powerful tools designed to prevent disputes, effectively manage chargebacks, and reclaim lost revenue from friendly fraud. With ChargebackHelp, merchants can reduce the number of disputes and recover funds that may have otherwise been lost to fraudulent activities. Our platform streamlines the entire dispute process through a user-friendly interface that allows you to track all disputes and gain clear insights into the financial impact. By utilizing our services, you can decrease chargebacks by as much as 40% and increase your success rate in dispute representment. Protect your hard-earned revenue with ChargebackHelp's solutions. Additionally, the CBH+DEFLECT feature expands a merchant's ability to intervene at the moment a cardholder inquires about a dispute, facilitating real-time access to transaction data for both the cardholder and their bank. This proactive approach ensures that your company information is readily available to deter potential disputes before they occur.

Konnektive provides an all-in-one commerce infrastructure for scaling online businesses, combining CRM functionality with advanced payment management. From order processing and campaign management to affiliate tracking and customer service, it consolidates key operations in a single platform. With 500+ integrations, 250+ payment processors, and dynamic currency conversion, it supports global reach while optimizing approval rates. Businesses can configure complex subscription models, automate fulfillment, and deploy one-click upsell flows to maximize average order value. Konnektive also includes fraud prevention tools, detailed analytics, and customizable transaction management for ultimate control. Its compliance with PCI, HIPAA, and global payment standards makes it suitable for industries including healthcare and telemedicine. Fast checkout experiences, real-time revenue tracking, and dunning management further accelerate growth. Built for entrepreneurs who want more than “average,” Konnektive equips merchants with enterprise-level tools to expand confidently and profitably.

Integrate loan repayment, data management, balance transfers, and automation seamlessly through a unified API. Method empowers developers to interact with users' debts using our versatile, debt-neutral solution. By directly engaging with your users' financial obligations, you can reduce lending risk while enhancing revenue streams. Method interfaces with a comprehensive range of merchants, including those for student loans, credit cards, auto loans, mortgages, and utility bills. With Method's robust APIs, there are no disruptions, and users won't need to re-authenticate. The platform takes care of compliance, identity verification, and partnerships with banks, allowing you to concentrate on your development efforts. Initiate payments for any liabilities users may have, with settlements completed in just a few minutes. Retrieve all user liabilities instantly without the need for credentials, and access real-time data on their financial obligations. Additionally, by prioritizing financial wellness, you can attract top talent and foster employee retention, addressing a critical concern for many in today's workforce. Overall, Method simplifies debt management, enabling a better financial future for users.

No Merchant Fee Payment Processing No Merchant Fees. No Hidden Charges. Stellar Customer Service. No hidden fees: The proof is in the numbers. EzPay America doesn't hide any fees for merchant services or ACH payments. We understand how frustrating it can be to receive a statement only to find that the quoted fees are higher than the actual. EzPay America merchant services will never charge you more than zero. It doesn't matter whether you process $5,000 in cards per month or $5,000,000 per year. Merchant fees will never be charged again. Cash discount programs are available to all US states. Features: No monthly fees EzPay America will send you a monthly statement that shows your savings in comparison to what you would have paid for the same services. There are no batch fees. Why should closing out at the close of business be charged? Batch as many as you want. This is just one advantage of EzPay America's payment system.

Aerotruth offers a streamlined solution for financial service institutions to efficiently onboard and oversee their relationships with fintech, banking, and correspondent partners. The onboarding of new partners and the regular evaluation of B2B collaborations typically require the exchange of numerous documents for compliance verification, a process that can extend for several months. However, this does not need to be the case. With Aerotruth, institutions can simplify and accelerate the document exchange and approval workflow, enabling quicker due diligence on both new and existing partners. This innovative platform is cloud-based, providing a secure and seamless environment for institutions to exchange, store, and approve vital documents essential for maintaining regulatory compliance throughout the onboarding and review phases. By leveraging Aerotruth, financial institutions can not only save time but also enhance their operational efficiency in managing partner relationships.

Natech Banking Solutions democratizes access to banking technology, prioritizing outstanding service and customer fulfillment. With a comprehensive suite spanning core banking systems to digital engagement channels, Natech empowers institutions to craft personalized financial products. The platform offers seamless onboarding and unparalleled accessibility, ensuring swift time-to-market with plug-and-play, end-to-end solutions. Catering to a diverse clientele that ranges from lively credit unions, local community banks to forward-thinking regional financial institutions, Natech stands as a pillar of technological advancement in banking. Natech's collaboration on the launch of a digital-only bank, Snappi, represents a leap forward in banking technology, combining industry expertise with modern innovation. 

The Adaptive Bank in a Box (BiaB) is an innovative cloud-based application that utilizes graph technology, allowing financial services organizations to harness best practices from the financial industry. It encompasses various data and models that effectively bridge the gap between industry-standard content and an organization's own data, ensuring that adequate assessments and processes are established, including compliance with AML regulations and data privacy requirements. Additionally, the Adaptive Business Function Model (ABFM) for Universal Banks will detail, with the appropriate level of specificity, all critical business activities across the front, middle, and back offices in Retail, Commercial, and Investment Banking. Complementing this is the Adaptive Business Information Model (ABIM) for Universal Banks, which will outline essential information and data-related business concepts along with their logical attributes across all operational functions. The ABIM serves as a comprehensive out-of-the-box data glossary that banks can personalize and modify to fit their unique environments, enhancing their operational efficiency and compliance capabilities. Ultimately, the integration of these models will empower financial institutions to optimize their practices and navigate the complexities of the financial landscape more effectively.

No matter what financial services you offer, Difitek serves as the technological backbone you need. It provides comprehensive support for KYC and AML compliance, fund transfers, position recording and reporting, as well as repayment processes, liquidity management, and access to secondary markets. With a powerful API-first architecture, Digital is designed for Fintech applications of any magnitude. You can opt for Turnkey Solutions or choose the complete array of technical capabilities that suit your requirements. Utilizing a serverless architecture, it guarantees bank-grade security. This ensures that you benefit from a contemporary, highly secure solution that is user-friendly and easy to manage, all at a fraction—1/100th—of traditional banking IT expenses. Our focus on automation and process optimization significantly reduces operational costs while unlocking entirely new avenues for the development of financial services. Difitek's advanced serverless architecture embodies the latest advancements in cloud computing technology. The integrated Difitek API layer allows for seamless communication between the client interface and third-party APIs, with asynchronous function execution enhancing performance and efficiency. By leveraging this innovative framework, businesses can quickly adapt to changing market demands and scale their services effectively.

Our solution allows telcos and other e-money-licensed companies to offer financial services and payment to their end-users. MFS platform creates new revenue streams and increases customer loyalty. It also helps reach the underbanked or unbanked. This platform is designed to be used by telcos that must comply with PSD2 licensing. Mobile financial services are a revolutionary technology in the concept money. Mobile financial services technology allows telcos to ensure a consistent and sustainable user base while offering services such as direct carrier billing and utility payments, merchant payment capabilities, and many more. It's primarily focused on online transactions, so it can attract more offline partners. Financial inclusion is a key goal of the Global Bank for the Unbanked and Underbanked.

Lendable is dedicated to enhancing inclusivity in the financial sector by providing essential capital to fintech companies in emerging and frontier markets, along with offering technology, asset management, and advisory services for prominent investors. This initiative serves to bridge the gap between investors and fintech through innovative technological solutions and capital resources. Our proprietary platform, Maestro, serves as a comprehensive suite for underwriting and risk management, equipped with features such as core banking APIs, payment gateway integration, advanced verification technology, a unique loan benchmarking database, and insightful business intelligence dashboards. While we initially focused on risk technology, this foundation remains integral to our operations. We offer a variety of investment structures, including open-ended and closed-ended funds, local currency channeling, and soon, bonds, tailored for fintech and existing business balance sheet debt. Additionally, we facilitate Special Purpose Vehicles (SPVs) for business expansion and provide local currency advisory services, ensuring our clients have the tools needed for sustainable growth. Our commitment to innovation continues to drive us as we adapt to the evolving landscape of financial services.

ERMES is a comprehensive application designed from the insights of the SEFIN group, aimed at facilitating supervisory reports and matrices for foreign bank branches in Italy as well as for Financial Intermediaries listed in the new SINGLE REGISTER. This application serves as a protocol to PUMA 2 (Unified Corporate Matrices Procedure), enabling a straightforward and thorough approach to fulfilling periodic reporting requirements to the Bank of Italy. Tailored specifically for the Italian branches of foreign banks and for Financial Intermediaries under article 107, as well as those governed by article 106 (the so-called SINGLE REGISTER), ERMES functions as a reporting and communication system that supports users throughout every stage of the process through its intuitive yet detailed interface. The application prioritizes flexibility and usability while allowing for adaptability and customization of table structures to meet the unique needs of each user. Furthermore, it provides a singular reference documentation for processing, ensuring consistency and clarity in reporting. This innovative approach not only enhances user experience but also streamlines compliance with regulatory obligations.

Sandbox Wealth is an all-encompassing fiduciary banking platform designed for enterprises, bringing together cash management, credit services, and analytical tools for families, entrepreneurs, investment advisors, and family offices. It offers tailored liquidity solutions by connecting intricate financial information with banking institutions and lenders, ensuring competitive interest rates on cash, easier credit access, and a clear view of both liquid and illiquid assets. Users benefit from advanced reporting capabilities, cutting-edge banking insights driven by the “Sandbox Navigator” AI, and simplified underwriting processes that include a comprehensive record for lender reporting, allowing for efficient management of spending, savings, and analytics for personal and business finances. Looking ahead, the platform plans to introduce a suite of deposit options in late 2025, including individual and joint accounts, business checking and savings, multi-currency global deposits, remote check deposits, as well as virtual and physical cards and mobile wallet integration. This expansion will further enhance the user experience by providing even more financial management tools and resources.

A complete loan management solution for digital lenders, with an impressive level of SDK-powered functionality and robust analytics. timveroOS is a cutting edge lending solution for banks. It integrates all processes in a single workflow, allowing them to build, customize and scale their lending business. Our software for loan administration is equipped with a powerful AI-powered analytics platform that allows banks to create better risk and underwriting models, products and marketing campaigns in a controlled and fast manner. The data layer contains 90+ ready to use data providers, and new connections can be made in minutes. These analytics tools, along with the cashflow engine and financial engineering built-in, allow lenders to make executive business decisions 12x faster and increase profits on a loan by 13% annually. Using deep analytics on top automated operations can improve banking efficiency.

Centime is the only all-in-one finance automation and banking platform built for mid-market businesses. Instead of juggling separate tools, Centime unifies AP, AR, expense management, forecasting, and banking in one system embedded directly in ERPs like NetSuite, Sage Intacct, and QuickBooks. Finance teams gain real-time visibility across the full cash cycle, eliminate inefficiencies, and turn finance into a strategic driver of growth. Core Capabilities: - Accounts Payable: AI-powered invoice capture, PO matching, approval workflows, supplier portal, and payments that earn 3.0% APY—transforming AP into a profit center. - Accounts Receivable: Automated invoicing, AI-driven collections, dispute management, and faster cash application to reduce DSO and improve predictability. - Expense Management: Mobile-first reporting, automated approvals, and policy enforcement, compatible with any card program. - Cash Forecasting: A dynamic 13-week rolling forecast with scenario planning and KPI tracking, helping leaders optimize liquidity. - Business Banking: High-yield checking, FDIC-insured sweeps, account aggregation, and cross-bank transfers—all from a single dashboard. Centime is purpose-built to work seamlessly inside the ERP, eliminating bolt-ons and manual reconciliations. Customers typically go live in 7–21 days, backed by award-winning onboarding and support. By combining automation, forecasting, and banking in one solution, Centime streamlines operations and gives businesses unmatched control over cash.

i2i Logic merges top-tier corporate financial information with your company's performance data to provide valuable insights that enhance market engagement for your frontline teams. This wealth of analytics and information is accessible through a digital platform designed for use by corporate bankers and advisors both at their desks and in direct client interactions. Typical users encompass relationship managers, market analysts, supply chain and transactional bankers, along with credit teams, bank executives, and corporate advisors outside of banking. The platform facilitates automated, data-driven prospecting across hundreds of thousands of companies and numerous industry profiles. It also offers an analysis of financial and operational metrics that includes dynamic benchmarking against industry standards and peers. Additionally, it features conversation modules that can be shared with clients, covering topics such as capital requirements, debt structuring, liquidity considerations, market trends, and transaction banking services, thereby fostering more informed discussions. Overall, i2i Logic serves as an essential tool for empowering financial professionals to make data-informed decisions.

Each of our six industry-specific products is tailored to your specific vertical in order to help you achieve your business goals. CRM for Wealth Management - This tool helps advisors to grow their assets by building strong client relationships. CRM for Private Banking - CRM helps Relationship Managers to grow assets under management by strengthening client relationships. CRM for Commercial Banking – Helps bankers increase upsell and cross-sell opportunities through personalized service. CRM for Corporate Banking – This CRM helps business bankers increase upsell and cross-sell opportunities through connecting insights and sales teams across different regions. CRM for Sales, Research, Trading & Research enables users to maximize profit and maximize capital usage CRM for insurance helps agents drive renewals, cross-sell opportunities, and helps them get more business. Our products can fulfill all your CRM requirements in one package. This includes sales, service and marketing capabilities that are tailored to your industry.

Claude for Financial Services revolutionizes the realm of institutional finance by integrating cutting-edge AI with robust financial data infrastructure and top-tier security into a cohesive intelligence framework. This Financial Analysis Solution seamlessly links key data sources, including S&P Global, Daloopa, and various internal systems within a single interface, ensuring that each data point is directly traceable to its original source for immediate verification and complete transparency. Designed with privacy at its core, it guarantees that your inputs and outputs will not contribute to the training of the underlying models by default. The platform also features guided onboarding and MCP-based connectors, facilitating smooth deployment in diverse environments such as banking, insurance, asset management, and fintech. With its native workflows and intelligent search functions, teams can efficiently handle intricate financial tasks on a large scale, quickly verifying information across numerous sources to minimize errors and conduct detailed analyses in mere minutes instead of hours. This innovative approach not only enhances productivity but also empowers financial professionals to make more informed decisions rapidly.

Wallie e-Wallet serves as a comprehensive platform enabling mobile network operators, virtual network operators, banks, and financial entities to introduce a digital wallet that seamlessly integrates with their core systems. This mobile financial solution can be implemented through an agent or customer service representative model, as well as through online or API registration methods. The processes for user registration and Know Your Customer (KYC) requirements to activate the wallet are designed to be user-friendly and efficient. After completing registration, users can effortlessly send and receive funds using their mobile wallet, bypassing traditional banking services. Users have the option to add money to their wallet, manage multiple accounts in various currencies, and transfer funds to their wallet or accounts with just one click. They can also keep track of all transactions and can raise support tickets for any incomplete transactions. Additionally, the platform consolidates payment services into a single device, making it easy to pay bills, recharge accounts, transfer funds, and more. Users can monitor their spending habits, pinpoint their favorite expenditure areas, and quickly access localized campaigns where they can discover offers and promotions that cater to their interests. This all-in-one solution not only simplifies transactions but also enhances the overall financial management experience for users.

HostBooks transforms your accounting experience with its cloud-based, automated accounting platform. HostBooks combines the best of accounting practices with cutting-edge technology to help you manage your business finances. HostBooks reduces compliance time, increases productivity, and lowers operational costs.

At the heart of our comprehensive, safe, and budget-friendly solution lies the capability to minimize risk and gain enhanced oversight of the Standing Settlement Instruction (SSI) process. In response to the current market's settlement failure rates, SSImple significantly improves the communication and processing of SSIs. By facilitating early SSI matching across various asset classes such as equities, fixed income, cash, and FX, our platform effectively reduces potential disputes, as every action is supported by immutable records. Additionally, users can enjoy a high level of visibility with an overview of SSI communications at each phase of the process. As trading entities within both EU and non-EU jurisdictions navigate the complexities of ownership records, it is crucial for market participants to prepare for the upcoming Settlement Regime by strengthening their settlement processes. This proactive approach ensures that they remain compliant and competitive in an evolving market landscape.

Customer satisfaction is crucial, and the primary aspect of achieving it lies in comprehending your clients. Jinnee gathers and evaluates all inquiries to deliver essential insights regarding the preferences and requirements of your clientele. Continuously evolving, Jinnee seeks to enhance its capabilities and adapt as it assists you in your endeavors. Over time, you can monitor Jinnee's learning progress, modify its responses, and potentially devise new strategies based on identified trends. Functioning as a virtual financial advisor, Jinnee is poised to support your clients with their various needs. They will now have the ability to pose questions and receive answers in mere seconds. With Jinnee integrated into your services, there's no longer a need to remain online to review last month's restaurant expenditures. Whenever you require expert guidance on effective saving strategies, deposit options, improved budgeting, or similar concerns, Jinnee will present relevant financial solutions and products tailored to your needs. This innovative approach ensures that your clients receive timely assistance while you can focus on other important matters.

G-CLIP is an advanced, cloud-based platform that enables corporate clients of financial institutions to efficiently monitor cash balances across various subsidiaries and currencies, while also facilitating the allocation of those funds into a range of cash-equivalent investments, including money market funds and time deposits. In addition to enabling clients to invest their surplus cash in approved options, G-CLIP provides valuable insights into risk exposure through an easy-to-use analytics suite. Developed by FO2, G-CLIP is rooted in a deep understanding of client requirements, product fundamentals, regulatory frameworks, and market dynamics, which collectively enhance liquidity and foster greater transparency within a single, user-friendly liquidity portal. Furthermore, G-CLIP can function as a standalone, turnkey solution or seamlessly integrate with other FO2 modules, thereby enriching the user experience while simultaneously boosting the financial institution's operational capabilities and return on investment. This flexibility allows institutions to tailor their offerings to better meet client demands.