Your browser does not support JavaScript!
Up Arrow Symbol

Our Mission

Financial Strides

We help build financial wellness products for consumers.
Everyone deserves good banking, regardless of income and social origin.

Our vision: Internet-connected mobile devices are more efficient and less costly than bank branches for delivering progressive financial services to all.

Our goal: opening up the right choices of consumer banking services to people who would otherwise use cash and costly alternative financial retailers.

Maximum Reach

Mobile First

Smartphones are the cheapest way to deliver financial services to everyone.
We bring decades of expertise in mobile messaging and phone software.

  • Mobile account opening: signing up new customers anywhere
  • 24x7 account management: instant access to deposit, payment and saving services
  • Just-in-time financial guidance: help customers in the most timely manner

Full Service

360° BANKING

We can help you engineer prepaid accounts to deliver:

  • Funds deposits: electronic direct deposit, paper checks, cash
  • Payments for goods & services: by card, on demand checks, cash
  • Automated Savings for specific goals
  • Access to credit: secured credit card, installment loan...

Industries

LARGE BUSINESSES

We help improve how your business handles consumer funds:

  • Distribute: wages, commissions, loan proceeds, insurance claims
  • Control: spending categories, alerts & monitoring
  • Collect: subscriptions, repayments, premiums

Consumer Financial Wellness Mission

View ›

Turning Smartphones into Bank Branches

View ›

Prepaid is the New Checking

View ›

Helping Businesses Handle Consumer Funding & Payments

View ›

Devices icon

Prototyping.

We can provide several levels of prototypes:

  • Proofs of Concept: your product's functionality or underlying technology are validated.
  • Functional: we'll architect your product in the way it will be deployed .
  • Appearance: preview how your product will look and feel
Brainstorming icon

IDEAs FACTORY.

At the beginning of a project, we will help create:

  • Use case scenarios
  • Gap analysis
  • Competition analysis
Docs and Budgets icon

Specs And Budgets.

We write up:

  • Requirements Specifications
  • Detailed Statements of Work
  • Budget forecasts
Docs and Budgets icon

Project Management

We help handle:

  • Work Plans
  • Requirement Specifications for 3rd party vendors
  • Ongoing project coordination tasks and maintenance of Issues Logs

Skills

Decades of experience in open-loop payment systems. Regulations-friendly: we ask for permission, not for forgiveness. We innovate fast and iterate often. Get in touch ›

Your customers are your customers: we prefer if you come with your own designers and User eXperience specialists but we can also provide them..

Consumer Payment Systems
Regulations and Compliance
Innovation
User Experience Design

Principles:

  • Bullet item icon

    Build services that can scale easily

  • Bullet item icon

    Avoid regulatory risks

  • Bullet item icon

    Help achieve consumer financial wellness

Idea icon

Think Big

We seek innovations with scale which leverage existing networks.
We prefer to serve clients with large consumer audiences.

Checkmark icon

Be Compliant

We consult with regulators like the CFPB and financial services lawyers before creating new services.

Help others icon

Positive Impact

We follow guidance from advisory groups like CFSI to ensure that products and services do the right thing.

Patrice

Business & Regulations

Justin

Technology

Carles

Cards & Payment Networks

ID Verification

CIP Scorecard Implementation

Savings Aid

Sub-accounts or Purses

Credit Access

Leveraging deposits & savings

Life Time Value

Loyalty & Messaging Engines

Program SetUp

Bank & Processing

Fast Payments

Instant funding

Microsoft .Net

Model View Controller

Responsive

html5 css3 bootstrap

Mobile SDKs

JDK + Gradle, iOS SDK

APIs To Clients

JSON REST

PARTNER APIs

Processing & Ancillary

Virtualization

Private / Public Clouds

We Have WOrked With...