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SOLUTIONS

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SaaS Debit Gateway

Seamlessly empowers multi-account funding, utilizing the FI's existing financial services providers.

  • Debit processor, core, and mobile banking provider agnostic

  • Provisional patented technology in production since 2023

  • Cloud-based, multi-tenancy technology

  • Scalable, extensible and compliant

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HELOC-LinkTM
Enable customers with seamless access to their HELOC funds for greater purchasing power through their existing debit card.
  • Allows seamless, simplified 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

ComplyFITM

Enhance customer experience while satisfying regulators’ guidance for overdraft

and NSF fee notifications.

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Deliver Real-Time Overdrawn Alerts to Cardholders

Cardholders receive a proactive alert if a debit card or ACH transaction is likely to cause an overdraft/NSF situation and are offered corrective actions.

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Provides Time & Transparency to Consumers

Positions your financial institution as a supportive partner in financial wellness.

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Maximizes Revenue Preservation and Growth

Financial Institutions can fulfill their compliance obligations to the regulatory agencies by enrolling customers in overdraft protection while retaining non-interest income revenue.

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GenUTM

A White-Label Teen Banking Solution

Empower families to build smart financial habits together, and cultivate loyalty in the next generation of customers.

For Parents:

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  • Spend controls (limits by category or frequency).

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  • Real-time alerts and transaction monitoring.

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  • Add multiple users (parents and children).

For Teens:

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  • Mobile wallet integration (Apple and Google Pay).

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  • Ability to request funds and view account details.

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  • Card lock/unlock options for security.

Shop Local

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

Keep more money in your local community, and grow your commercial customers
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Empower local businesses and help your community thrive by supporting "buy local"

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Improve working relationships and alliances with downtown districts, Chambers of Commerce and merchants

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Help promote local businesses reach more customers using one-of-a-kind technology to keep more money in your community

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IncumbentFI (IFI) has developed a SaaS Debit Gateway 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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