We believe everyone deserves access to fair and affordable finance.  incuto enables credit unions and community lenders to grow their businesses and transform into true challenger banks.  We provide a cloud-based technology platform allowing lenders to enhance their customer experience and automate back-end processes.  Partnered with Experian, TransUnion, ClearBank and others, we offer a wide range of off-the-shelf services, allowing community lenders to access new channels to market. For all of this, we charge-per-transaction, with no licence fees or tie-ins, minimising barriers to entry.