Turn Bill Payment Stress Into Growth

Unlock 4x More Value from the Members You Already Have

64% of Americans live paycheck to paycheck — and most financial institutions still miss the moment.
Without real-time support, members turn to payday loans, miss bills, or bypass their bank entirely. Trust erodes. Deposits leak. Long-term value vanishes.

Kaian steps in before the crisis — not after.
We give credit unions and community banks the tools to proactively support members when it counts most, increasing retention, deposits, and 4x more value per member.

Proactive Member Support That Drives Engagement and Deposits

Kaian sits seamlessly within your digital experience — activating support, insights, and rewards through secure, real-time data.

We integrate with your existing core platforms to deliver:

  • Spot My Bill™ enables real-time, proactive bill setup and support

  • Direct deposit switching and income verification

  • Financial Health Scoring for deeper insight and segmentation

  • Better Spender™ Rewards to reinforce good financial behaviors

  • Secure Data that fit your compliance and infrastructure requirements

Kaian’s Approach to Proactive Member Support

Timely Bill Support That Builds Trust

Kaian ensures members never miss a bill due to short-term cash flow issues.

By integrating in real time with thousands of billers and analyzing historical payment patterns, Kaian detects when a member is likely to fall short — and steps in before the overdraft, the late fee, or the stress.

This proactive support reduces financial strain, improves payment success rates, and gives credit unions a powerful, compliant alternative to traditional overdraft protection.

The result: stronger trust, increased loyalty, and a measurable reduction in service costs.

Incentives That Drive Smart Financial Behavior

Kaian rewards members for actions that actually improve financial health — like paying bills on time, reducing debt, and building savings.

Through personalized insights and behavior-based triggers, we deliver timely nudges and Better Spender™ Rewards that reinforce progress, not just participation.

This isn’t generic gamification. It’s a targeted way to build habits, improve outcomes, and deepen member loyalty — while unlocking new upsell opportunities for your institution.

Personalized Guidance Backed by Real-Time Data

Kaian delivers AI-powered financial guidance based on each member’s real-time financial life — not static credit scores or one-size-fits-all content.

By analyzing biller, payroll, and transaction data, Kaian surfaces personalized insights on spending, saving, and planning — when they matter most.

This empowers credit unions to offer targeted support and smarter product recommendations, deepening trust and promoting long-term financial resilience.

Step In Before the Overdraft — Delivering on the Credit Union Promise

Kaian delivers proactive bill support inside your digital experience — no app switching, no shame, and no predatory fees.
We verify bill shortfalls in real time, help members cover them before they overdraft, and deepen engagement when it counts most.
It’s smarter than lending, safer than EWA, and fully built for mission-driven institutions like yours.

  • Kaian lives inside your digital banking experience — reducing fraud risk, improving outcomes, and keeping members fully engaged in your ecosystem.

    When a member falls short on a bill, Kaian doesn’t hand out cash. We verify the shortfall using real-time data, then pay the biller directly on the member’s behalf. This dramatically reduces the risk of default, misuse, and impersonation — unlike traditional loans or early wage access tools.

    And because all activity stays within your institution, you capture behavioral data that powers smarter support, personalized insights, and stronger long-term relationships.

  • Members who activate bill pay and direct deposit through Kaian are significantly more valuable — generating up to 4x more lifetime revenue and showing stronger retention over time.

    Kaian drives these behaviors at exactly the right moment: when a member is facing a bill shortfall and ready to engage. By embedding support directly into your experience and verifying income in real time, we help you capture more deposits, increase bill pay usage, and reduce churn — all without additional marketing spend.

    This isn’t just a member benefit. It’s a margin growth engine built into your existing infrastructure.

  • Kaian gives you access to real-time biller, payroll, and transaction data — unlocking a live view of each member’s financial situation.

    This data isn’t just about visibility. It enables you to offer the right product, to the right member, at the exact moment they need it — whether it’s short-term support, savings tools, credit products, or personalized financial coaching.

    With this level of precision, you reduce blind outreach, increase product adoption, and drive higher margins — all while delivering a better experience that builds trust.

  • Kaian is designed to work within your existing infrastructure — no disruption, no rip-and-replace.

    We integrate flexibly with core platforms like Jack Henry and Paymentus, embedding bill support and engagement tools directly into your digital channels. Whether you're piloting with a segment or rolling out enterprise-wide, Kaian adapts to your systems, launch timeline, and goals.

    Our API-first architecture supports secure authentication, permissioned data access, and full compliance alignment — giving you the control and confidence to scale member engagement without added risk or IT burden.