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BEST-IN-CLASS Capabilities

Deposit Line


Meet accountholders’ short-term liquidity needs by offering Deposit Line from º£½ÇÆƽâ°æ, a deposit-based lending solution that addresses the needs of cash-strapped consumers.

KEY FEATURES

  • Leverage a comprehensive solution that manages all aspects of small-dollar lending – from underwriting to administration.

  • Enable accountholders to securely connect through a mobile app or online banking to a bank-branded º£½ÇÆƽâ°æ site for advances, payments and account management.

  • Leverage our proven behavioral algorithm, based on the SmarterPay® from º£½ÇÆƽâ°æ platform and driven by account history, to determine real-time eligibility and suggested fund availability.

  • Offer comprehensive, customizable liquidity servicing options, without the need for direct bank intervention, in a secure framework designed to satisfy regulatory concerns while meeting your institution’s specific requirements and business rules.

  • Provide liquidity relief for a longer period than typical overdraft solutions as well as more manageable options for cash flow, improving overall customer satisfaction.

A solution to empower accountholders


01

Drive new noninterest income revenue streams while minimizing the demand on staff.


02

Grow consumer satisfaction and boost retention by offering high-demand solutions digitally.


03

Deliver a secure experience that leverages automation to pre-screen potential borrowers.


04

Build your brand while ensuring regulatory compliance with a customizable bank-branded solution.


05

Compete for liquidity business by offering better cash flow options than nontraditional lenders.

Use Cases

Learn about our deposit-based liquidity solutions
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SmarterPay

A deposit analytics solution that helps you assess and manage risk at the account level to facilitate responsible overdraft limit-setting practices.

Immediate Funds

A funds availability solution that enables you accelerate funds availability for teller, mobile or ATM deposits without recourse for the depositor, payor or your financial institution.

Discover insights related to Deposit Line

POINT OF VIEW PAPER
hand holding phone that says approved for loan

Meeting increasing demand for short‑term fundsÌý

Consumers are looking for short-term, smaller‑dollar loans to meet unexpected expenses – and the majority are interested in turning to financial institutions for solutions.Ìý
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three business people smiling

Why it’s the right time to offer a deposit-based liquidity solution

Learn what consumers say about their need for short-term funds and gain insight into the benefits retail banking leaders can expect by offering deposit liquidity solutions.
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