fincarna

Treat customers by the value they bring.

Relationship pricing for banks and credit unions.

Fincarna measures what each customer brings, from the products they hold to the balances they keep and the services they use, and applies the waivers, rates, and rewards your policy sets, every cycle, alongside your core.

See the platform

Retail customer · 4 products · since 2016

5 benefits applied

  1. Monthly maintenance fee

    Combined balance across 4 products over $25,000

    $12.00$0.00

    Waived

  2. Savings rate

    Relationship tier bonus

    4.10%4.25%

    Earned

  3. ATM withdrawals

    Premium chequing entitlement

    5 free · 2 used

    Included

  4. Debit card cashback

    Loyalty tier, ends 31 Aug

    1.0%

    Earned

  5. Overdraft fee

    First in 12 months, goodwill rule

    $35.00$0.00

    Waived

Illustrative example. Every benefit traces to a versioned, effective-dated rule your teams set, so you can show any customer or examiner why.

Everything a customer brings, in one view

Fincarna reads the whole relationship: the products a customer holds, the services they use, the balances they keep, and the payments they move. Each part of the platform turns that into pricing your teams set and govern.

Your core banking system

Unchanged

ConnektProducts, balances, payments in

Retail customer · since 2016

Products held
4
Services used
6
Combined balances
$48,200
Card spend / month
$2,350

For commercial clients: Account Analysis · Deal Desk

Illustrative example. Figures are not from a real customer.

One system your teams actually work in

Business teams configure products, fees, and promotions in the dashboard. Technology teams connect the data once, in Connekt. Everything below is the real product.

The Essential Plus Chequing variant in Fincarna, Active at Version 1 and locked against changes, with a New Revision button and its prices, including a monthly fee waived at a $3,000 minimum balance and a free in-person allowance
Versioned products. A live variant is locked. Changing it means opening a new revision, so the version that was in force stays on the record. Its prices carry the relationship, like a monthly fee waived at a $3,000 balance.
A price action rule in the Fincarna editor that waives the monthly fee and in-person overage when the minimum balance is $3,000 or more
Price actions. Relationship benefits written as rules, like waiving fees once a customer’s balance reaches $3,000. Fees & Billing
The Connekt pipeline designer routing a bank file by filename into two branches, each parsed as CSV and written to a batch sink for NSF and overdraft events
Connekt pipelines. Bank files routed, parsed, and mapped on a canvas, not in code. Connekt

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 takes an afternoon of digging. Fincarna versions every rate with the audit trail already attached.

    See how

  • Customers don't get what your policy promises

    A waiver that should have applied, didn't. A tier threshold the system rounds off. A loyalty benefit nobody switched on. None of it shows up until a customer complains. Fincarna executes your pricing rules exactly as written, every cycle.

    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 live in one person's head

    A relationship manager agreed special pricing to win a mandate. Nobody else can see the terms, when they were agreed, or whether a similar client gets the same. When the manager moves on, so does the reasoning. Fincarna makes every negotiated term an object with an owner, a date, and a review, so concessions stay deliberate and consistent.

    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 change pricing without waiting on a core release.

    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.

  1. Your core banking system

    Unchanged. Keeps accounts, ledger, and reporting.

  2. Connekt

    Your files and API calls in, billing output back out.

  3. Fincarna

    Rates, fees, promotions, deals, and statements.

  4. Your channels

    Statements, apps, and the teams who price.

  1. 1Ingest

    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.

  2. 2Model

    Model your pricing events in the platform. Define fee schedules, promotional rules, eligibility criteria, and billing logic through the dashboard or API.

  3. 3Launch

    Activate pricing changes instantly. Fincarna calculates charges, applies rate overrides, tracks entitlements, and generates billing events in real time.

  4. 4Optimize

    See which benefits customers use, track promotional effectiveness, and adjust pricing from the same dashboard.

What changes

Weeks
Not monthsAPI-based integration means no lengthy migration or deployment project
10x
Faster launchesNew promotional rates in days, not quarterly release cycles
Zero
Core changesFincarna layers onto your existing systems through APIs

Built for how banking actually works

Designed around how financial institutions already 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.

Relationship and bundle pricing

Price on the whole relationship: the products a customer holds, their balances, and their activity across every account. Share waivers and benefits across it, and control how they are distributed.

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.

Made for lean teams on an existing core

Most institutions run a lean IT team on a core that wasn’t built for product experimentation, under regulators who expect every fee to be auditable. Fincarna works within those constraints from the start.

That includes shared core platforms, and the pressure to offer competitive products without adding headcount or replacing infrastructure.

Your core keeps the accounts. Fincarna keeps the relationship.

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 relationships could be worth

Book a 20-minute walkthrough. No slides, just your use case in the product.

or email us at hello@fincarna.com