Pricing and revenue management for banks
One platform, total control.
One system for the numbers your institution earns on. The rates treasury publishes, the fees and promotions retail charges, and the deals your relationship managers negotiate. Governed, audited, and live in weeks. Your core never changes.
Platform capabilities
Rate Authority
Publish and govern every rate your institution offers. Fixed, indexed, tiered, and grid rates with version history and effective dating.
TreasuryFees & Billing
Fee schedules, promotional pricing, waivers, entitlements, and rewards. Calculated every cycle with an audit trail on every charge.
RetailDeal Desk
Negotiated pricing for corporate clients, with a deal desk workflow that runs from draft through customer sign off to approval.
CommercialConnekt
Get bank data in and billing output back out without an integration project. Build the pipeline once, in a designer, not in code.
TechnologySound familiar?
Problems we solve
The same handful of problems come up at every institution we talk to. They span the whole book, from the rates treasury publishes to the deals your relationship managers negotiate.
Your rate sheet lives in a spreadsheet
The rates you publish, the tiers, the effective dates, all of it maintained by hand and emailed around. When an examiner asks what a rate was on a given day, answering is an afternoon of archaeology. Fincarna versions every rate with the audit trail already attached.
See how →Revenue is leaking and you can't see it
Fee waivers that never expire. Tier thresholds the system quietly rounds off. Charges that were never configured to fire. None of it shows up until someone goes looking. Fincarna executes your pricing rules directly and flags the gaps.
See how →Every promotion is a one-off project
Cashback, a fee holiday, a sign-up bonus, an introductory rate. Each one gets built by hand, tracked somewhere different, and relies on someone remembering to switch it off. Fincarna runs every kind of offer from one engine, with eligibility and expiry built in.
See how →Concessions outlive the reason for them
A fee was waived to win a mandate years ago. The mandate was won, the relationship tripled, and the waiver is still running because it lives in one relationship manager's head. Fincarna makes every negotiated term an object with an owner, a date, and a review.
See how →Getting your data in is quoted in years
A pricing platform cannot price anything until it holds your customers, accounts, and events, and historically that means a bespoke integration project per institution. It is why so many implementations stall before go-live. Connekt turns your file format into a pipeline you build in a designer, not code.
See how →New products take months to launch
Your competitor shipped a new account tier last quarter. You are still waiting on IT to configure the fee schedule. Fincarna decouples pricing from your core, so business teams move at business speed without a release cycle in the way.
See how →How it works
Fincarna sits at the billing layer, between your core banking system and your customer channels. No core replacement. No migration.
Ingest
Your systems send customer, account, and event data to Fincarna through our REST API. You control what flows in and when. Your core stays untouched.
Model
Model your pricing events in the platform. Define fee schedules, promotional rules, eligibility criteria, and billing logic through the dashboard or API.
Launch
Activate pricing changes instantly. Fincarna calculates charges, applies rate overrides, tracks entitlements, and generates billing events in real time.
Optimize
Monitor revenue, track promotional effectiveness, catch leakage, and iterate on pricing. All from a single dashboard.
API-based integration means no lengthy migration or deployment project
Industry estimates of fee revenue lost to billing gaps and misconfigurations
New promotional rates in days, not quarterly release cycles
Fincarna layers onto your existing systems through APIs
Built for how banking actually works
Built for the way financial institutions price, charge, and reconcile.
Balance-aware billing
Calculate fees based on average balances, minimum balances, overdrafts, and tiered deposit rates. Not flat subscription fees.
Promotional rate engine
Launch signup bonuses, introductory rates, cashback programs, and loyalty tiers. Control stacking rules, eligibility, and automatic expiry.
Household and bundle pricing
Group accounts into households. Share fee waivers across accounts. Control how charges and benefits are distributed across the relationship.
Entitlements and quotas
Give customers a set number of free transfers, withdrawals, or ATM transactions per cycle. Bill automatically when they exceed their allocation.
Custom billing logic
Most pricing works out of the box. For edge cases, write custom rules in JavaScript that run directly inside the platform.
Multi-currency and multi-tenant
Serve multiple clients or subsidiaries on a single deployment. Each gets isolated data, currencies, billing cycles, and pricing rules.
Built for institutions like yours
Financial institutions operate differently. Complex regulatory requirements. Lean IT teams. Core systems that weren’t designed for product experimentation. Fincarna was built for this reality, not retrofitted from enterprise banking.
We understand the constraints: shared core platforms, regulatory frameworks that demand auditability, and the pressure to offer competitive products with lean teams and existing infrastructure.
The pricing engine your core was never designed to be.
Frequently asked questions
Can’t find the answer you’re looking for? Reach out to our team and we’re happy to help.
See what your institution could earn
Book a 20-minute walkthrough. No slides, just your use case in the product.
or email us at hello@fincarna.com