Ethical, financially inclusive technology & innovation
incuto Hive is an innovative technology platform for Credit Unions, Community & Challenger Banks, supporting back-office processes, financial education, communication, performance management and enhanced service provision.
Sign UpSecure Data Layer
Isolate the existing version of your transaction system, to stop any malicious loss of data, functionality of process by system vendors
Setup secure connection to the Hive Data Layer
Setup hosting of data in a highly scaleable and secure UK-based data center
Align disaster recovery and information security / governance protocols with internal procedures
Contact UsImprove Member Experience
Buzz to automate communication to members, improve engagement and increase loan book
24*7, to provide full online fulfilment of loans, including pre-authorised amounts and rates, pre-filled applications and e-signatures
360, to automate ID verification, AML, affordability and credit scoring, to provide more informed automated underwriting
memberHub, to offer self-service web-portal for members to view and manage their accounts
Contact UsRobust Compliance
CheckPoint, to provide real-time dashboard and analysis of risk, compliance and fraud prevention
Analysis, to offer MI dashboards, reporting and analytics, including branch & staff performance, partner reporting and financial returns
Forcast and planning tools for scenario development
Contact UsBanking Services
Pay, to provide access to the banking networks, including:
- Debit card (where CU retains funds until spent)
- Bank account / sort-code per member
- BACS
- Direct Debits
- Faster Payments
Transactional System
Bank, a full transactional system, including:
- Branch interface
- CRM
- Transaction engine for loans and savings
- Accounting, GL & treasury
- Document Management
Paper-free, automated customer application process
Incuto provides an always-on, fully automated application process for your customers, even when your branches are closed.
Fully configurable to meet your needs, our software will allow customers to:
- Complete membership, savings and loans applications online
- Sign key documents electronically
- Set repayments and sign Direct Debit mandates
