Engage Members, automate services and drive lending
Competition from rival banks and short-term, high-cost lenders, legacy technology and paper-based systems, limited distribution channels and difficulty engaging new and existing Members - here at incuto, we understand the challenges many community-based banks and lenders are facing.
Our team works in close partnership with affordable finance providers to transform their offering to Members. Utilising both technology and strategic partnerships, we build a bespoke solution which transforms the Member experience, automates processes, aggregates services to make them accessible and affordable, plus increases channels to market.
Member Services - Provide a seamless, digital experience for members
An always-on, automated Member Area where they can manage their accounts even when your offices are closed.
Members can search, sort and review transactions; securely withdraw or transfer money; apply for new accounts and products and schedule withdrawals.
Access personal Customer Dashboard and Financial Tools so Members can tailor their own experience and change the look and feel of the Member Area.
Loan Services - Effortlessly grow your loan book
incuto’s loans platform informs the decision-making process by displaying relevant details on an easy-to-understand user interface.
The lending process is centralised, from sending automated Member communications to requesting additional information on loan applications.
Product performance reports help affordable lenders decide which products are performing best.
Member Marketing - Automated, integrated communications tools
incuto’s platform acts as a bespoke customer relationship management tool, automatically integrating marketing or operational messages with your member database.
Campaign management and automated triggers for personalised communications.
See results of marketing campaigns with detailed analytics, allowing teams to improve the success of communications and drive engagement.
Payments - Fast, efficient payments for world-class service
Faster Payments through incuto and cloud-based clearing bank, ClearBank automatically and instantly reconcile payments made to member accounts.
Direct Debit reduces the burden on credit unions and community banks to set up standing orders for loan repayments.
Quick and easy onboarding process, plus fixed, low-cost per transaction, no minimum volumes and no set up fee.
