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SOLUTIONS

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Debit Modernization Platform

Seamlessly empowers multi-account funding, utilizing your institution’s existing financial services providers.

  • Debit processor, core, and digital banking provider agnostic

  • Provisional patented technology in production since 2023

  • Cloud-based, multi-tenancy technology

  • Highly scalable, extensible, and compliant

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HELOC-LinkTM
Enable account holders with seamless, point-of-sale access to their HELOC funds for greater purchasing power through their existing debit card.
  • Allows access to existing HELOC funds for everyday purchases through existing debit cards 

  • Enhances customers' spending power and provides financial flexibility at more favorable rates than credit cards

  • Drive revenue growth through expanded HELOC utilization and interchange fee income  

Local Rewards

An innovative community Rewards Program designed to strengthen the connection between local businesses and consumers.

Keep more money in your local community, drive debit card spend and grow your commercial customers
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For Local Businesses

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Increase visibility and enhance marketing


Drive topline growth


Enable them to better compete with national chains 

For Your Debit Card Consumers

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Offer relevant, nearby local participants and offers 


Drive a stronger connection to their community

 

Provide everyday value tied to where they live and spend 

For Your Institution

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Increase debit card usage, driving higher transaction volume and interchange revenue 


Re-engagement of dormant debit cardholders 


Increase loyalty to your institution in your local communities 


Enable stronger, more frequent interactions with target business customers, leading to higher likelihood of acquiring their banking services 

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IncumbentFI (IFI) has developed a cloud-native Debit Modernization Platform that empowers community banks and credit unions to seamlessly enable multi-account funding to their existing debit card portfolios, leveraging the institution's existing financial services providers.

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