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.

Secure 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

Improve 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

Robust 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

Banking 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