SaaS banking technology platform for Credit Unions, Community Banks and CDFIs

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Go digital, be faster, reduce costs, offer more.

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What We Do

incuto is a hosted banking technology platform, transforming Credit Unions & CDFIs into community-focused challenger banks.

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  • Infrastructure

  • Origination

  • Operation

  • Regulation

  • Strategic

Wrap-around Solution


Ultra-secure hosting & data management


  • Market awareness
  • Faster on-boarding
  • Member engagement & communication
  • Social media
  • Web & mobile enablement


  • Branch Interface
  • CRM
  • Treasury & General Ledger
  • Debit Card (where CU retains balance)
  • Document Management


  • Anti-money Laundering & Fraud
  • Risk Reporting
  • Audit & Compliance
  • Liquidity & Financial Management
  • FCA & PRA returns
  • Scenario Planning

Strategic Optimisation

Performance & Conformance analysis & reporting, including Board & SMT dashboards

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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
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24/7 Loan Application Screenshot