Plaid Integrations

Atomic’s cloud solution delivers timely, actionable notifications directly within your current applications, significantly enhancing user engagement and retention. Each customer receives a personalized notification that highlights essential information tailored to their needs, delivered precisely when it matters most. As soon as customers access your app, they encounter an Atomic Action Card, allowing them to take action effortlessly with just a single tap. This seamless experience enables your customers to quickly return to their daily activities. Atomic easily integrates with your existing applications and connects to various platforms, including marketing data systems, web services, legacy systems, and even manual data inputs. This capability ensures that you can swiftly assist your customers, relieving them of unnecessary strain. Furthermore, Atomic alleviates the workload on your digital teams, customer support centers, and developers by autonomously handling everything from customer communication to managing feedback and preferences, as well as tracking and reporting results. Ultimately, this streamlining empowers your organization to focus on innovation and growth while enhancing customer satisfaction.

You can verify any employee using Truework, which offers coverage for every employee in the United States, and our advanced routing system guarantees the quickest response times available. Gain immediate access to data on over 35 million U.S. workers, as Truework stands as the exclusive verification partner for millions. Begin your integration effortlessly with our user-friendly API and developer resources, aimed at enhancing the conversion rates of applicants through expedited verification processes. Our platform is designed as a comprehensive solution, boasting interconnected workflows that ensure verifications are completed in the shortest time possible. Our innovative technologies, including Instant, Credentials, and Smart Outreach, enhance employee coverage and speed up application processing, while user-submitted requests pull verified records directly from the original data source for maximum reliability. This makes Truework not only efficient but also a trustworthy partner in the verification landscape.

Our all-encompassing approach to digital transformation revolutionizes the banking experience. Digital Banking stands out as the premier intelligent engagement platform for both banking and payments, offering actionable insights and expedited onboarding processes. By integrating diverse data sources throughout your organization, you can provide insights that truly reflect your customers’ preferences and requirements. This cloud-native platform, enhanced with built-in intelligence, is constructed upon a modular microservices architecture tailored specifically for the banking sector. Delve into the platform's technological features to discover more about its capabilities. It supports a wide array of services, such as remote deposit capture, business bill pay, and effortless sign-on, among others. Moreover, it fosters a quicker payments ecosystem with real-time payment processing, same-day ACH transactions, and integrated fraud defense mechanisms, ensuring a secure and efficient banking experience for all users. As the financial landscape evolves, our platform is designed to adapt and meet the changing needs of customers and institutions alike.

Achieve brighter financial prospects with ease by utilizing a top-tier digital lending platform tailored for mortgages and consumer banking. Gain clarity on essential engagement metrics through ready-made reports, allowing for strategic decision-making supported by detailed data, and facilitate the sharing of valuable insights throughout your organization. Enhance both conversion rates and customer satisfaction by providing fluid lending experiences across various channels, including digital, phone, and in-branch interactions. Empower loan officers to dedicate more time to attracting new clients and acting as reliable advisors, while automating tedious processes to reduce approval delays and guarantee timely closings, enabling an increased loan handling capacity. Create smooth customer experiences that foster growth, boost productivity, and strengthen customer relationships. Additionally, utilize an expansive network of technology, data, and service providers to create cohesive customer journeys, tapping into the strengths of our comprehensive ecosystem to maximize efficiency and satisfaction. By doing so, you not only enhance your service offerings but also position your organization for long-term success in a competitive market.

MadKudu is an enterprise-grade, real time API that shows you the value of prospects wherever they may be. This engine can simplify your workflows across all channels and help you unlock revenue throughout the buyer journey. Blackbox scores that don't take into account feedback from sales teams are a nightmare for them. MadKudu provides predictions that your Sales team can trust and allows you to adjust your predictions as your business evolves. Standard "contact us” forms miss 40% of demo requests. MadKudu allows you to instantly qualify all visitors and allow them to book a meeting with the Sales team. Never miss a visitor who knocks on your door. Many B2B companies tried Facebook ads and failed to make it work. Facebook doesn't know the value of each lead. MadKudu can predict the value of each visitor, and tell Facebook to make a bid accordingly.

We provide a comprehensive payments and treasury framework for online enterprises. Our platform enables internet businesses to accept payments and process payouts worldwide seamlessly and efficiently. By utilizing traditional payment systems or adopting blockchain technology, companies can manage their digital transactions in a more scalable and effective manner. Circle acts as a bridge between these two financial ecosystems. The introduction of USD Coin (USDC) marks a significant advancement in the utilization of currency across the internet. Digital dollars function similarly to other types of online content, allowing for rapid transactions and exchanges that are both cost-effective and secure compared to traditional payment methods. As the fastest growing full-reserve stablecoin globally, USDC empowers businesses to operate across borders effortlessly. With our new free business account, companies can send and receive international payments that settle almost instantaneously. Additionally, we invite you to join the waitlist for our high-yield interest rate accounts, which are entirely based on USDC, offering great opportunities for both short and medium-term investments. By embracing USDC, businesses can take advantage of innovative financial solutions that enhance their global operations.

LendingFront provides a comprehensive white-label platform tailored for small business lending. This solution encompasses a variety of integrated or standalone modules that address every element of the lending journey, including application intake, workflow management, underwriting, decision-making, offer presentation, monitoring, and servicing. Additionally, our platform empowers clients to automate portions of the lending process according to their preferences, while also allowing for complete control and manual oversight when necessary. LendingFront serves as a holistic technology solution for small business lending, revolutionizing the traditional lending model from initial origination to ongoing servicing. Small businesses often face challenges in securing capital, and LendingFront facilitates a distinct separation of small business lending from conventional commercial lending practices. By utilizing our software, lenders can enhance efficiency in the front-end process through a user-friendly, digitally-enabled application and borrower portal, making funding more accessible and manageable for businesses in need. Ultimately, LendingFront is dedicated to reshaping the landscape of small business financing.

MeridianLink’s Account Opening Software offers a streamlined solution for banks and credit unions looking to enhance their deposit account opening processes. By consolidating digital account opening, identity verification, and e-signatures into one platform, the software ensures a smooth user experience and faster processing times. It offers advanced customization options to adapt to specific institutional needs, such as dynamic workflows that automate manual tasks and flexible decisioning that speeds up application approvals. Seamless integration with core systems enhances operational efficiency and allows for immediate data syncing, while the mobile-first design ensures accessibility across devices. This platform is designed to boost consumer satisfaction by reducing friction during account opening and increasing cross-sell opportunities.

Moven provides innovative and adaptable, data-centric solutions featuring a unique U.S. patented digital financial wellness offering. By converting data into actionable insights, Moven enhances financial well-being through an integrated smart-banking experience tailored for your clientele. Our advanced data analytics utilize both proprietary banking information and external data sources, delivering real-time insights to your customers. As users engage in their financial activities, the app collects and learns from their spending and saving patterns. These insights enable the application to generate data-driven suggestions aimed at optimizing spending and savings habits. Tools like Moven’s patented Spend Meter, Savings Stash, and Spend by Category collaborate to create a comprehensive overview of your customers' financial behaviors. Moreover, the Moven solution is available in a Software as a Service (SaaS) format, making it accessible and efficient for various business needs. This approach not only fosters financial literacy but also empowers users to take control of their financial futures.

Finix’s Payments Infrastructure-as-a-Service streamlines the process of integrating payments for SaaS businesses, independent software vendors, and marketplaces, significantly reducing the associated time, costs, and complexities. The Finix Professional Services (FPS) team has extensive expertise in the payment facilitation model. At its core, a payment facilitator is a tech company that offers a payment solution to the sub-merchants it supports or backs. We are dedicated to upholding the highest global data security standards in our operations. Our team engages with regulators worldwide to ensure that our platform remains compliant with evolving regulatory demands, providing you peace of mind. By owning their payments, companies can boost revenue, improve product experiences, and delight their customers. Finix Flex enables rapidly growing software firms to start monetizing their payments immediately while paving the way for full payment facilitation down the line. When you're prepared to transition, you can remain within the same Finix ecosystem, effectively sidestepping any switching costs. This seamless approach ensures that businesses can focus on growth without the disruptions typically associated with changing payment systems.

A comprehensive platform designed to streamline, automate, scale, and oversee payment processes for businesses, ISOs, or financial institutions. Unlock your company's full capabilities by enabling a wider range of payment options swiftly and securely, eliminating the need for specialized in-house payment knowledge. Experience rapid integration without the hassle of outdated banking systems. OpenTransact’s modern APIs come with developer support readily accessible through Slack or email. You can link any payment method, provider, acquirer, or third-party services to your OpenTransact account, allowing for seamless payment dispatch to any processing service without the need to modify your integration. With compliance features for PCI-DSS, NACHA, and PSD2, OpenTransact can be tailored to meet local regulatory requirements while ensuring the protection of customer data, regardless of the payment method or geographical location. Once you implement OpenTransact, you can significantly decrease the developer effort needed to maintain multiple payment integrations. Additionally, real-time data synchronization across gateways provides enhanced flexibility and optionality across various processors, making it an efficient choice for modern payment operations.

Sync data to flat files or sheets.

Airwallex provides a specialized business account designed specifically for enterprises operating on a global scale. Your account includes essential features such as multi-currency capabilities, allowing you to receive and manage funds in over 11 different currencies while steering clear of unnecessary double conversions. You can create virtual debit cards for yourself and your team in mere moments. Transfer funds internationally in as many as 23 currencies, bypassing high fees and lengthy wait times typically associated with such transactions. Enhance your platform's offerings by integrating with our API, enabling you to effectively scale your operations. Generate invoices and accept payments from clients around the world in their chosen currency, facilitating smoother transactions. Effortlessly link your business accounts to widely-used platforms like Amazon, eBay, Shopify, and PayPal. Withdraw in the same currency or convert and cash out in USD at competitive foreign exchange rates. Additionally, you can issue new virtual payment cards almost instantly, adjust spending limits, and revoke access all from our user-friendly online platform, ensuring you maintain control over your financial transactions. With these features, Airwallex simplifies the complexities of managing a global business account.

Integrate real-time demand information from the point-of-sale into your supply chain to guide decisions in sales, marketing, supply chain management, and planning. As consumer preferences continuously evolve, Alloy enables users throughout your organization to analyze and uncover insights from point-of-sale, forecasting, inventory, ordering, and shipping data across all retail partners with minimal effort. Serving as a centralized source of truth for both supply and demand, Alloy synchronizes retail data with your internal systems to ensure comprehensive visibility from manufacturing stages to consumer delivery, thereby enhancing planning and execution strategies. Since your retail partners may not always prioritize your business needs, it's essential to empower your customer-facing teams to proactively spot risks and opportunities at the shelf, leveraging retail insights to influence the actions of your partners and cultivate trust over time. With point-of-sale and inventory analytics, you can pinpoint sales opportunities and identify inventory risks within your retail and e-commerce ecosystem, ultimately driving your business forward. This strategic approach not only strengthens your market position but also fosters collaboration among stakeholders.

Assist is an innovative chatbot solution powered by AI that offers customers tailored, contextually relevant, and prompt support options. Unique to the financial services sector, Personetics Assist stands out as the only digital self-service platform designed specifically for this industry. Currently, it is utilized by top financial institutions, delivering customized assistance to millions of users. Institutions that implement Assist experience enhanced operational efficiency, increased customer satisfaction, improved Net Promoter Scores, and recognition through prestigious industry accolades. This versatile solution can be seamlessly integrated across various customer engagement channels, including the bank's website, mobile applications, popular messaging services like Facebook Messenger, and voice-activated assistants such as Amazon Alexa. By providing such a comprehensive service, Assist helps financial institutions foster deeper connections with their clients.

Our platform offers ready-to-use APIs that integrate both conventional and alternative credit data sources, facilitating quicker data ingestion for more accurate credit assessments. It features a robust predictor library built on extensive credit expertise, along with pre-configured attributes that enhance credit decision-making. Our proprietary AI and ML credit modeling approach is fully explainable and yields substantial improvement in outcomes. Users can simultaneously run multiple champion-challenger models, allowing for comparative analysis of credit strategies within a single streamlined workflow. Deployment of new credit models and strategies is swift and efficient. Our AI-driven credit underwriting models are not only explainable and FCRA-compliant but also designed to be highly reliable. They include automated and simplified reasoning for adverse actions, ensuring transparency. Comprehensive documentation is provided, detailing the logic behind the models, their robustness, and any limitations. The attributes of our models are subjected to rigorous disparate impact assessments to confirm the absence of bias in their design. Furthermore, our AI credit models offer a wide and varied range of reasons for adverse actions, ensuring that users have a comprehensive understanding of the decision-making process and its implications. Overall, this combination of features empowers organizations to make informed and equitable credit decisions.

We envision that purchasing stocks should be as straightforward as grabbing a coffee. Our team of experts is ready to assist you in crafting digital experiences that make investing accessible to everyone, regardless of their location. DriveWealth's innovative, cloud-based brokerage infrastructure utilizes APIs to facilitate any investment experience you wish to create, whether it's trading, retirement planning, or even features like roundups and rewards, all through real-time fractional shares. By incorporating investing into daily customer interactions, you can easily transform consumers into investors. With DriveWealth’s contemporary brokerage system, you can launch your services efficiently by connecting to a single platform that manages all aspects of the client journey, including account creation, identity verification, digital funding, and transaction execution. You control the customer interface, while we handle everything behind the scenes, from clearing and settlement to tax compliance and regulatory reporting, all managed digitally and in real-time without the complications of overnight processing, paper documents, or unnecessary third-party integrations. This seamless integration allows for a smoother user experience, paving the way for a new generation of investors.

Build your own fintech with Bond. Build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified API-driven platform. Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Bond allows you to offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live.

Checkbook provides a comprehensive push payments platform designed for seamless disbursement of payments at scale, ensuring a hassle-free experience without any percentage fees or concealed costs. Their Digital Checks come with a variety of deposit options, allowing recipients to select the method that works best for them. There's no need for signup; all you have to do is input the required details during the deposit, and Checkbook's secure, tokenized system protects your financial information. You can instantly push funds to the recipient's bank account using the automated clearing house network, and with their real-time payment solution, funds can be deposited into your bank account in under a minute. Additionally, you have the option to print a physical check for deposit through your banking mobile app or at a local branch or ATM, and you don’t even need a bank account to get started. Accepting funds is quick and easy with a virtual card, which functions just like a credit card. Checkbook equips you with all the necessary tools to manage users, add bank accounts, and facilitate payments among them, streamlining the payment process effortlessly. Whether for personal or business transactions, Checkbook simplifies financial interactions for everyone involved.

Owning the payment channel equates to possessing the customer relationship, but as payment methods advance rapidly, this ownership is increasingly challenged. Companies such as Square and Venmo are actively working to undermine traditional financial institutions by offering quicker and more engaging payment solutions. In addition, fintech startups are developing fascinating innovations that promise to reshape the industry. Retail giants like Amazon and streaming services such as Netflix have raised consumer expectations regarding convenience and the speed at which services are delivered. Furthermore, the current trend towards mobile usage means that both consumers and businesses prefer to manage their transactions and interactions through mobile devices. As a result, maintaining control over the ever-evolving payments landscape is becoming increasingly complex due to fresh competitors, alternative payment methods, and heightened expectations from end-users. However, partnering with Jack Henry Payments allows you to access comprehensive, integrated solutions that effectively cater to nearly every payment channel and manage the entire lifecycle of various payment types. This strategic choice not only enhances your service offerings but also positions you to thrive in a competitive market.

Discover the driving force behind the rapid expansion of banks and credit unions. Enhance your account holder growth with our comprehensive omnichannel account opening solution that seamlessly connects with your core systems. This innovative approach ensures a pleasurable experience for both consumers and businesses. Our platform simplifies the onboarding process for both new and existing clients, allowing you to meet your customers wherever they are. With our solution, you can open and fund deposit accounts in under three minutes. You can also streamline your operations by automating up to 97% of application decisions, enabling you to increase account openings across multiple channels, whether online, in-branch, or mobile. Our technology allows for real-time integration with your core banking system. MANTL not only integrates effortlessly with all core banking systems but also collaborates with prominent fintech platforms for enhanced functionality. Benefit from seamless integration with leading providers. By leveraging over 30 data sources, MANTL automates more than 90% of KYC decisions, significantly reducing the need for labor-intensive manual reviews. Additionally, our no-code, real-time configurability empowers you to instantly adjust risk thresholds, underwriting criteria, product rates, and more to align with your institution's evolving needs. This flexibility ensures that you can adapt quickly to market demands while maintaining exceptional service levels.

Create the banking experience of the future by seamlessly linking individuals, data, and systems across various boundaries. The Appway Digital Banking Platform facilitates genuine digital transformation through smart process orchestration, fostering true human engagement at every interaction point in both physical and digital realms. Allow customers to engage on their terms, no matter where they are in their financial journey. Utilize advanced analytics and pivotal moments in customers' lives to craft personalized offerings that align with their aspirations. Implement pre-built, reusable components for swift and low-risk deployments that are ready for the future and can be easily modified. Expand connectivity beyond organizational boundaries, harnessing existing and emerging ecosystems to drive innovation and maintain a competitive edge. Integrate global, standardized implementations with localized adaptations to cater to specific regional demands. Additionally, empower both customers and frontline employees to effortlessly browse, choose, and customize products in a user-friendly manner. This approach not only enhances customer satisfaction but also promotes a more agile banking environment.

Increase your revenue and enhance customer satisfaction by integrating financial capabilities into your product. With Unit handling the complexities of compliance and banking partnerships, you can expedite your development and growth. Utilize our comprehensive suite of APIs, developer resources, and documentation to roll out unique features in as little as five weeks. Tailor your offerings to meet user needs with the adaptable nature of Unit’s API. The platform is not only fast and reliable but also secure, earning the trust of startups, esteemed brands, and publicly listed enterprises alike. Provide seamless financial solutions tailored for freelancers and gig economy participants—including cash advances, automated tax calculations, and integrations with services like Abound and Plaid. By leveraging these tools, you can deliver an exceptional user experience that stands out in the market.

Quiltt provides a comprehensive consumer fintech infrastructure that enables anyone to create cutting-edge financial solutions effortlessly. This is achievable without complexity. We have meticulously woven together the essential tools that innovators require to swiftly introduce customer-oriented features such as account linking, budgeting tools, bill management, and more, significantly reducing both time and costs. The Quiltt Connect feature is an embeddable user interface module that offers a rich, contextual financial overview of your clientele. Utilizing the robust Quiltt GraphQL API, Connect is seamlessly integrated with Plaid's top-tier bank data network and Spade's advanced transaction enrichment capabilities. Integrating Connect into your product is as simple as adding a few lines of code, allowing your team to concentrate on developing your key innovations while enhancing the user experience. With Quiltt, launching a financial product that meets modern demands has never been easier.

Facilitate the acceptance of over 120 cryptocurrencies and bank transfers with a streamlined one-click checkout solution tailored for eCommerce sites, SaaS platforms, invoicing, and brick-and-mortar businesses. Our intuitive payments interface allows users to accept cryptocurrency payments through various well-known wallets and exchanges, along with bank transfers. Merchants can effortlessly handle refund requests using our sophisticated merchant dashboard, all without incurring extra fees. Both merchants and their partners can seamlessly integrate RocketFuel into their online shopping carts, websites, or software applications. With support for more than 120 cryptocurrencies via numerous popular wallets and exchanges, you can manage your finances, issue invoices, and monitor customer payments—all from a single convenient platform. Click to securely link your crypto exchange for both crypto payments and bank transfers across all supported sites. By doing so, you can avoid the hassle of converting your crypto and waiting to access your funds, ensuring a more efficient transaction process. This comprehensive solution empowers businesses to enhance their payment capabilities while simplifying the customer experience.

Thanks to our user-friendly integration and pre-approved global data resources, you can create advanced credit solutions more quickly than ever before. Our no-code decision engine allows your Risk, Credit, or product teams to develop and oversee intricate policies and workflows independently of your developers. Enhance your decision-making speed and accuracy by streamlining and automating your customer review process, while also consolidating data from various sources into one comprehensive view. You can seamlessly incorporate your credit solutions into your own products, achieving a fully white-labeled experience for users. With a simple drag-and-drop interface, you can design your policies and organize logic trees to optimize complex workflows. Alternatively, choose from our pre-made templates to get started right away. Instantly assess customer requests by approving, rejecting, or flagging them for additional evaluation, all while maintaining complete oversight of every automated decision made, ensuring you're always prepared for any outcomes. This level of control not only improves efficiency but also fosters trust in your decision-making processes.

Collaborating with B2B service providers and SaaS firms to facilitate effortless, white-label payment solutions. Enhance your customers' experience with a straightforward and efficient checkout process featuring varied payment choices. Our current clients have seen a remarkable revenue increase of 47% after implementing pay-over-time options! Designed for effortless sharing and tracking, this service fosters stronger connections with your existing clientele. Say goodbye to traditional billing and collections once and for all. With Alternative, you receive immediate payment while we handle the collection from your customers over a flexible timeframe. Offer unmatched payment versatility through ACH, credit cards, or Buy Now, Pay Later options using our specialized tools. Benefit from complimentary ACH transactions and automatic reconciliation, allowing you to save over 10 hours of data entry each month. Leverage advanced data reports that assess business performance and customer wellbeing. Alternative is revolutionizing the B2B payment landscape, equipping you to deliver exceptional flexibility to your end customers, while ensuring you receive your payments upfront without delay. Your business can thrive with these innovative solutions at your fingertips.

Unite your preferred payment and commerce platforms to craft stunning customer experiences and swiftly enter new markets with a cohesive infrastructure. Enhance your revenue streams through advanced, comprehensive workflows. Design exceptional customer interactions while ensuring satisfaction with a variety of payment options and commerce services. Implement Primer once to continually enhance your payment effectiveness over time. Customize your payment experience, and effortlessly oversee all aspects across your payment processors. In just minutes, you can add numerous payment methods and decide how, where, and when customers encounter them at checkout. Enjoy a hassle-free experience with our integrated API and toolset that optimize transactions, regardless of the processor in use. With limitless applications and integrations, expand your payment and commerce capabilities. Achieve your objectives with a definitive source of truth throughout your entire system, allowing you to monitor and manage payments, reports, and everything else from one elegant dashboard, ensuring you stay informed and in control. This holistic approach not only simplifies management but also empowers your business to adapt and thrive in a competitive landscape.

Highnote serves as a comprehensive platform for card issuance processing and program management, empowering digital-first companies with the ability to seamlessly issue and manage payment cards that drive business growth and enhance profitability. In an era where financial solutions should be future-focused, Highnote offers a developer-friendly platform that simplifies the launch process with pre-designed collateral templates and established banking partnerships, allowing for a swift rollout of financial services. By making complex fintech tasks more manageable, Highnote's issuer processor platform, featuring an unchangeable double-entry accounting ledger, ensures complete oversight and control of both financial and business operations. Designed to evolve alongside your organization, Highnote fosters innovation and opens up new revenue opportunities by providing a holistic solution for card issuance and program management. Additionally, Highnote equips you with the necessary tools to design distinctive card products that resonate with your brand identity, further enhancing your market presence. With Highnote, the possibilities for financial creativity and expansion are virtually limitless.

The platform organizes BI tools and semantic layers, documents data utilizing dbt, and incorporates OpenAI and language models to facilitate self-service advanced analytics. Through TextQL, users without a technical background can effortlessly interact with data by posing queries within their familiar work environments (such as Slack, Teams, or email) and receive prompt and secure automated responses. Additionally, the platform employs NLP and semantic layers, including the dbt Labs semantic layer, to deliver sensible solutions. TextQL enhances the question-to-answer workflow by seamlessly transitioning to human analysts when necessary, significantly streamlining the entire process with AI assistance. At TextQL, we are dedicated to enabling business teams to find the data they need in under a minute. To achieve this goal, we assist data teams in uncovering and creating documentation for their datasets, ensuring that business teams can rely on the accuracy and timeliness of their reports. Ultimately, our commitment to user-friendly data access transforms the way organizations utilize their information resources.

Transforming the landscape of technology procurement and financial solutions, this innovative platform integrates payments, predictive pricing, financing, and a streamlined quote-to-cash process into a cohesive system. It offers flexible payment alternatives designed to expedite deal closures, seamlessly embedded within the sales process. By leveraging existing recurring revenues, businesses can secure immediate funding, allowing them to receive payments promptly even if their customers opt for delayed payment. This approach aligns payment structures with customer payment schedules, enabling organizations to unlock growth capital from their own assets without incurring debt or equity dilution. Unlike traditional venture debt or revenue-based financing, Ratio requires no monthly payments, providing further financial relief. Businesses can selectively choose which contracts to monetize based on their cash flow requirements. The Ratio team comprises seasoned professionals from the SaaS and finance sectors, alongside serial entrepreneurs and innovators. Equity remains a vital component for company growth and team compensation, and engaging with Ratio for strategic capital ensures there is no equity dilution or warrant issuance. This unique model empowers businesses to thrive while maintaining ownership and control.

Crafted by licensed change management experts, our toolkit establishes the perfect foundation from the very beginning. It encompasses a range of strategies and pre-designed models, along with comprehensive reporting features. Included are fully integrated change management intervention templates, dashboards, visual charts, and key performance indicators, complemented by hundreds of pages of additional "how to" presentations and strategic documents focused on change, training, and communication. Additionally, we offer bonus resources that cover problem-solving and team-building methods, along with ongoing free content and updates to keep you informed and equipped. This holistic approach ensures you have everything needed for effective change management at your fingertips.

WhenThen streamlines the process of creating and launching payment orchestration for marketplaces and platforms through its intuitive no-code editor, making it both rapid and straightforward. It enables seamless integration of your payment systems with business applications without the need for coding expertise. You can simulate and test your automated processes to evaluate their effectiveness in real-world scenarios prior to deployment. The platform allows for troubleshooting and retrying automated tasks by providing insights into past events and the flow of data. You can enhance the efficiency of your automation using A/B testing, scenario simulations, and machine learning techniques. Built with a strong emphasis on safeguarding the collection, storage, and transfer of sensitive customer payment and personal information, it also aims to maximize the usefulness of the data collected, ensuring a balance between security and functionality. This comprehensive approach not only simplifies payment orchestration but also empowers businesses to innovate while maintaining data integrity.

Enhancing model performance and conducting scenario analyses through simulations with historical datasets is essential for progress. Collaboration is streamlined across data governance, access management, and version control. With Ikigai's ready-to-use integrations, you can effortlessly incorporate a wide range of tools that fit seamlessly into your existing workflows. Ikigai offers over 200 connectors, allowing you to connect to virtually any data source you can imagine. If you're looking to deploy your machine learning pipeline to a website or dashboard, Ikigai’s web integrations make that process straightforward. Utilize triggers to initiate data synchronizations and obtain updates every time you execute a data automation flow. In addition, you can connect to your own APIs or develop new ones for your data stack, ensuring a smooth integration with Ikigai. This flexibility empowers teams to adapt quickly to changing data landscapes and leverage insights effectively.

Knot serves as the essential bridge for achieving seamless interoperability across online accounts. By leveraging Knot, you can pave the way for a more connected future for everyone involved. It enables the automation of routine online tasks on behalf of users in mere seconds, allowing for actions such as account creation, service cancellation, and payment method changes. With Knot, you can effortlessly update card information, terminate subscriptions, and modify passwords. The integration of Knot into your current technology infrastructure can be completed in just hours, not the weeks typically required. Featuring intuitive and visually appealing interfaces, Knot maximizes conversion rates while ensuring a delightful user experience. Security is a top priority, with robust measures in place to protect your data, which is only shared with your explicit consent. Developers are equipped with straightforward tools that facilitate the creation of exceptional customer experiences. Additionally, card issuers utilize KnotAPI to seamlessly switch saved payment methods for their users, thereby accelerating customer spending from the very first day with just a few lines of code. Embracing Knot not only enhances efficiency but also fosters deeper connections within your existing tech ecosystem in record time.

An integrated, comprehensive payment processing and orchestration solution designed specifically for cashless tipping platforms, catering to guests, merchants, and employees alike, addresses the growing challenge as fewer patrons carry cash, leading to service workers potentially missing out on valuable tips. The process of accepting card payments and distributing tips can often be painstakingly slow, riddled with jargon, and financially burdensome for businesses. By utilizing our streamlined API, you can achieve cost-effective acceptance of tip payments along with immediate payouts for workers. Our platform effectively navigates intricate regulations and accommodates diverse merchant and location models through a flexible, multitenant system that prioritizes transparency and reliability. This bespoke solution for tipping platforms ensures compliance with Money Transmitter License (MTL) and card network standards while avoiding the restrictions typically associated with Payment Facilitators. Our unified APIs facilitate guest payments and allow for both scheduled and on-demand payouts to employees or employers. Moreover, this single integration simplifies liquidity management across the United States, Canada, and other future markets, enabling the acceptance of digital tips through the payment methods preferred by guests, ultimately enhancing the overall tipping experience. In this way, we strive to empower service workers and improve their earning potential in an increasingly cashless society.

Craft distinctive digital experiences fueled by instantaneous financial data and insights. Gain access to a versatile write-once read-many data stream encompassing all major custodians, and take advantage of easy-to-integrate white-labeled features for billing, reporting, and additional services. By establishing new distribution pathways, you can unlock your firm's full growth capabilities. Enhance back-office efficiency through consolidated portfolio management, automated reporting, and straightforward fee billing processes. As the industry's sole fully API-first, multi-custodial software and data aggregation platform designed by developers specifically for developers, BridgeFT’s WealthTech API simplifies your development processes while continuously evolving with cutting-edge technology. This WealthTech-as-a-service platform presents a unified, open API that provides trade-ready, multi-custodial data, sophisticated analytics, and vital applications. It also facilitates the aggregation of multi-custodial held away assets and third-party application data, ensuring comprehensive financial oversight. By embracing this innovative approach, firms can significantly elevate their operational efficiency and data management strategies.

Percent Pledge designs custom social impact initiatives that enable businesses and their workforce to support and engage with the reputable charities that resonate with them the most. By simplifying the donation process, companies can enhance employee involvement and retention through a personalized workplace giving strategy. Our platform not only streamlines philanthropic efforts but also allows organizations to assess their overall impact securely. It’s user-friendly for employees while being straightforward for management. Research indicates that employees are eager to volunteer, and such programs significantly boost morale and reduce turnover. Our comprehensive volunteering platform, combined with dedicated support services, ensures that your volunteer initiatives are more accessible for staff, thereby maximizing impact with minimal effort required from your organization. You can track and communicate your influence at both the individual and corporate levels. Alongside real-time analytic dashboards, our tailored impact reports provide valuable insights and compelling narratives that drive employee engagement and enhance cause marketing efforts. This holistic approach ultimately fosters a more engaged workplace culture.

Creating banking solutions for your clients has never been simpler. By integrating banking products and services into your offerings, you can enhance your value proposition and increase revenue streams. Synctera's banking as a service (BaaS) platform equips you with all the necessary tools to design, deploy, and expand embedded banking and financial solutions. Regardless of the size or industry of your company, Synctera enables you to create and scale banking products effectively. With a single set of adaptable and secure APIs, you can access top-tier technologies essential for developing an outstanding banking experience. Even if you're just starting in the financial sector, Synctera offers comprehensive documentation to assist you in your development journey. The BaaS platform includes a diverse selection of sponsor banks, empowering your financial products with robust capabilities. We ensure meaningful partnerships between you and the sponsor bank that aligns perfectly with your specific product objectives, target audience, and timeline, allowing you to launch and grow with assurance. This collaborative approach fosters a supportive environment that promotes innovation and long-term success in the financial industry.

Experience the convenience of managing all your business applications and data through a straightforward dashboard with SquareStack, which consolidates everything into one unified platform. By bringing everything together, you can easily interpret your data, make well-informed decisions, and leave a lasting impact. Handling the complexities of running a business is challenging enough without the added difficulty of overseeing multiple app subscriptions. SquareStack empowers small and medium-sized business owners with a comprehensive dashboard that allows for the organization and easy access of all your applications, facilitating confident decision-making. You can view all your app subscriptions in a single location, providing immediate insights into your expenses for banking and credit services. With a vast array of both free and paid applications available to explore, you can effortlessly add, replace, or evaluate tools all in one area. This singular dashboard offers a broad overview necessary for making strategic choices that can foster your business's growth. Once your applications are streamlined, you can refocus your energy on guiding your team and showcasing your unique talents to a wider audience. Additionally, enhance the return on investment from the tools you currently use while discovering new solutions that can elevate your operations.

Layer empowers software companies to introduce accounting solutions tailored for their small and medium-sized business clients. By enhancing user engagement and boosting revenue, you can establish your platform as the primary financial resource for these SMBs. This all-encompassing accounting solution is seamlessly integrated into your existing platform. Merge your internal data with information from customers' external financial accounts to create a comprehensive overview of their accounting needs. You can transmit data directly to Layer using our API, or take advantage of our ready-made integrations with leading embedded fintech providers. Introduce an accounting product that features workflows specifically designed for the size and sector of your clients, steering clear of generic accounting solutions that don’t fit their unique needs. Offer a fully white-labeled experience within your platform, utilizing Layer’s extensive collection of customizable UI components or building on top of Layer’s API for a more personalized interface. By becoming the central system of record for your customers, you can also enhance the attachment rates of your additional financial offerings. Ultimately, Layer positions your platform as an indispensable tool for SMBs, driving loyalty and satisfaction.

Provide your clients with accounting software seamlessly integrated within your platform. With Teal, you have the capability to create a comprehensive financial hub that enhances user attachment and engagement with your suite of financial service offerings. Construct the ultimate financial operating system that caters to your customers' needs. By merging data from various sources into Teal's general ledger, you can empower your customers with essential insights necessary for effective business management. Establish a unified source of truth for their financial and accounting needs, which will lead to increased attachment rates to your financial products. Leverage our ready-to-use integrations to gather data and generate actionable insights, or utilize our API to submit custom data. You can launch your fully functional accounting solution in just weeks instead of waiting months. Teal also provides modular front-end code snippets that are easily integrated into your primary product and can be tailored to meet your specific requirements. Our dedicated implementation engineers will collaborate closely with your team to ensure a swift and efficient path to your desired implementation outcome, guaranteeing a smooth transition for your customers.

Onbe serves as a modern corporate payout gateway that enhances and personalizes payment solutions for both consumers and workforce needs. By transforming payments into a revenue-generating asset instead of merely a cost, it offers innovative solutions aimed at minimizing administrative costs while maximizing income potential. Whether it’s about encouraging repeat spending or re-engaging lapsed customers, Onbe opens doors to effectively enhance your payment programs. You can connect with your recipients globally, regardless of their location. Our platform equips you with the necessary tools and expertise to create contemporary payment experiences, featuring options like digital wallets, instant payments, and international bank transfers. Maintain flexibility and effortlessly scale your disbursement operations. With our no-code, low-code, and user-friendly API integrations, you can launch your services swiftly, alleviating your team's burden from tedious procedures, allowing them to concentrate on their core mission: expanding your business and reaching new heights. This comprehensive approach ensures that you are always at the forefront of payment technology and innovation.

Introducing Fincent, the unparalleled solution that seamlessly integrates stunning software, skilled human bookkeepers, and dedicated customer support. Now, you can expand your business, manage expenses efficiently, and still carve out time for personal pursuits. Enjoy consistent, accurate, and validated financial records delivered by the 15th of each month. Choose between the standard accrual-basis method or opt for a cash basis to suit your preferences. Effortlessly create digital invoices, solicit payments, and send reminders to clients about outstanding bills. You have the flexibility to absorb transaction fees yourself or pass them on to your customers in their invoices. Allow your clients the convenience of paying through ACH, credit, or debit options. Benefit from continuous support for filing both your business and personal taxes throughout the year. Entrust the entire tax filing process for your S-Corp, LLC, or any business structure to professionals who will prepare, scrutinize, and validate your forms before you sign off on them. With Fincent's advanced search functionality, you can quickly locate invoices, transactions, and subscriptions with ease, ensuring you stay organized and efficient. In essence, Fincent provides not just a service, but a comprehensive solution that empowers your business and simplifies your financial management.

Enhance your revenue streams through a comprehensive and advanced onboarding journey. Create exceptional customer interactions while managing risks effectively using top-tier tools. Your entire sales funnel is integrated within a single platform, encompassing lead qualification, KYB processes, e-signatures, segmentation, and scheduling meetings. Utilize components such as tailored rules and no-code workflows to streamline and automate all aspects of identity verification and onboarding. Conduct continuous website evaluations, sanction checks, and social media assessments to ensure ongoing compliance. Facilitate a seamless experience for low-risk users, allowing them to navigate effortlessly. Adapt the application process in real-time based on risk assessments from both internal and external sources. Identify specific areas where potential leads drop off, down to the precise moment or data entry field, utilizing detailed analytics and screen recordings. Optimize your conversion rates and elevate productivity significantly, achieving a tenfold increase. Transition from monotonous manual operations to seamless automation, revolutionizing your workflow in the process. This approach not only simplifies the onboarding journey but also fosters stronger customer relationships and trust.

PayToMe.co is a cutting-edge fintech platform powered by artificial intelligence that facilitates and simplifies international payments and cross-border transactions. By harnessing the capabilities of AI, PayToMe delivers innovative financial solutions designed to enhance the efficiency of payment operations. The platform encompasses a diverse range of services, including Payment-as-a-Service (PaaS), Banking-as-a-Service (BaaS), and Software-as-a-Service (SaaS). The company's mission centers around making global financial transactions more accessible for businesses in various fields, such as e-commerce, retail, and healthcare. Collaborating with renowned fintech partners like Plaid and Stripe, PayToMe enhances its service offerings, which feature secure payment gateways, management of accounts receivable and payable, and comprehensive expense tracking tools. Additionally, the company prioritizes automation, robust security measures, and fraud prevention strategies, positioning itself as an optimal choice for businesses aiming to refine their payment and compliance procedures. Ultimately, this award-winning fintech marketplace stands out by offering secure and customizable payment solutions that cater to the unique needs of businesses worldwide.

Enhance the reach of your banking offerings by utilizing the Interlace platform, which allows you to introduce innovative bundled products and services to both existing and prospective clients via bank or partner channels. Transition accounts from your outdated core systems to our advanced virtual account framework, leading to significant reductions in legacy operational costs. With our modern API-first cloud-native architecture, you can roll out new initiatives in a matter of weeks instead of months, streamlining your processes. Avoid the complexities and expenses associated with core replacements and side-car core projects, while benefiting from real-time processing for accounts, payments, and card transactions to facilitate new offerings. The centralized Interlace Console provides compliance assurance for all programs through banking controls that apply universally across each initiative. Furthermore, our Real-time Settlement Automation guarantees the integrity of the funds flow and removes the need for manual reconciliation of programs, driving efficiency and accuracy in your operations. Moreover, by leveraging our platform, you can stay competitive and responsive in a rapidly evolving financial landscape.

Multimodal specializes in the creation and management of secure, cohesive, and customized AI automation solutions specifically designed for intricate workflows within the financial sector. Our robust AI agents leverage proprietary company data to enhance accuracy and function collectively as your digital workforce. These advanced agents are capable of processing various documents, querying databases, powering chatbots, making informed decisions, and generating comprehensive reports. They excel at automating entire workflows and possess the ability to learn independently, continuously enhancing their performance. The Unstructured AI component acts as an Extract, Transform, Load (ETL) layer, adeptly handling complex, unstructured documents for applications like RAG or other AI-driven uses. Our Document AI is meticulously trained on your specific schema to efficiently extract, label, and organize data from diverse sources including loan applications, claims, and PDF reports. Additionally, our Conversational AI functions as a dedicated in-house chatbot, utilizing unstructured internal data to deliver effective support to both customers and employees. Furthermore, Database AI interfaces with company databases to respond to inquiries, interpret data sets, and offer valuable insights that can drive decision-making. This comprehensive suite of AI capabilities aims to streamline operations and enhance productivity across various financial services.

Inn-Flow provides an all-encompassing hotel management software suite aimed at enhancing various operational aspects such as accounting, payroll, labor management, procurement, and sales. By offering cutting-edge accounting solutions that allow for real-time data access, it simplifies financial management for hotel operators. The software features automated payroll processing, which helps in minimizing operational expenses, alongside AI-driven bookkeeping services that alleviate the challenges associated with invoicing and other financial responsibilities. Additionally, the labor management tools are designed to optimize employee scheduling, thereby lowering labor costs, while procurement functionalities help in monitoring inventory levels and minimizing waste. Sales and revenue enhancement is facilitated through automated tracking and advanced business intelligence capabilities. Furthermore, Inn-Flow's ability to integrate with top-tier applications allows for effortless data synchronization across various properties, promoting operational efficiency and uniformity. Hotels utilizing Inn-Flow have noted significant improvements in productivity, cost reductions, and enhanced financial outcomes, leading to greater competitiveness in the hospitality market. The comprehensive nature of Inn-Flow's offerings makes it an invaluable asset for hotel management teams striving for excellence.

CloudNuro.ai serves as a smart platform for managing both cloud and SaaS environments, providing organizations with enhanced visibility, governance, optimization, and automation capabilities throughout their digital ecosystems. With its unified interface, it effectively identifies all SaaS applications, including those that fall under Shadow IT, using various detection techniques such as DNS, SSO, browser agents, and APIs. The platform continuously catalogs applications in real time and highlights tools that are either unused, duplicated, or not authorized for use. It also provides valuable insights into expenditures, usage patterns, license entitlements, and application engagement metrics, empowering teams to manage costs efficiently and negotiate contract renewals based on solid data. Furthermore, automated workflows facilitate processes such as user onboarding and offboarding, approval workflows, compliance assessments, and policy enforcement, which not only lighten the IT department's burden but also enhance security measures. In addition, CloudNuro.ai boasts robust integrations with leading SaaS and cloud service providers, including M365, Salesforce, and various ITSM tools, which allows for seamless synchronization of catalog information, subscription management, and policy automation, ultimately streamlining operations across the organization. This comprehensive approach ensures that businesses can maintain control over their software assets while maximizing value and minimizing risks.