Relieve Bill Stress, Enhance Banking Customer Value

Capture untapped revenue

40% of bank customers are living paycheck to paycheck, struggling to cover everyday expenses. Despite this, banks have largely overlooked the needs of these financially strained customers. As a result, many are turning to costly short-term loans and paying their bills directly, bypassing their banks.Kaian offers a solution that addresses these concerns while providing more than just a temporary fix for members.

Streamlined Bill Support and Improved Financial Wellness

Kaian can be integrated with popular bill management solutions like Paymentus and Jack Henry, seamlessly enhancing a bank’s existing experience. We provide the platform that enables banks to support their customers when they fall short on bills and reward them for smart spending habits—all while ensuring compliance and easy integration into the bank’s ecosystem.

Our Three-Pillar Approach

Timely Bill support

Kaian's innovative bill support system ensures that credit union members never miss a payment due to temporary cash flow issues. By leveraging real-time integration with thousands of billers and analyzing members' payment patterns, our platform provides timely assistance when funds are tight. This proactive approach not only prevents costly overdraft fees but also reduces financial stress for members. Credit unions can offer this safety net seamlessly, enhancing member trust and loyalty while providing a valuable alternative to traditional overdraft protection.

Smart Spending Incentives

Our solution encourages and rewards smart financial behaviors, helping credit union members develop better money management skills. Through personalized insights and a unique rewards program, we incentivize positive financial actions. Members receive actionable advice tailored to their spending patterns and financial goals, while earning rewards for making progress. This feature not only improves individual financial health but also strengthens the relationship between credit unions and their members, fostering long-term engagement and financial well-being.

Financial wellness recommendations

Kaian's comprehensive approach to financial wellness transforms credit unions into trusted partners in their members' financial journeys. Our AI-powered assistance provides personalized, on-demand financial guidance, offering insights on budgeting, saving, and long-term financial planning. By combining real-time financial data with interactive, intelligent conversations, we deliver a holistic view of each member's financial health. This empowers credit unions to offer targeted products and services, enhancing member value while promoting overall financial wellness and resilience.

Beyond Overdraft: Kaian's Seamless, Low-Risk Solution to Outpace Neobanks

  • Kaian offers a low-risk alternative to traditional overdraft protection through real-time integration with billers, payroll data, and direct deposit switching. This comprehensive approach provides up-to-date financial information, allowing for more accurate and timely interventions, thus reducing risk for both members and credit unions.

  • Kaian effortlessly integrates with popular bill payment solutions like Paymentus and Jack Henry, enhancing existing digital banking platforms without major overhauls. This seamless integration allows credit unions to quickly implement advanced financial wellness tools without disrupting their current systems or member experiences.

  • By offering value-added services, credit unions can significantly boost member engagement, loyalty, and lifetime value. These services create multiple interaction touchpoints, allowing credit unions to deepen relationships beyond basic transactions. Personalized financial insights and timely bill support demonstrate a commitment to members' well-being, fostering trust and satisfaction. Smart spending incentives encourage frequent use of services, making members more likely to explore additional products. As engagement increases, the likelihood of members switching to competitors decreases, transforming transactional relationships into long-term partnerships. Ultimately, this approach enhances the overall value each member brings to the credit union.

  • By offering advanced features like AI-driven Bill Pay Assistant™ and direct deposit switching, Kaian helps credit unions compete more effectively with neobanks. These innovative solutions provide personalized financial advice, streamline account management, and offer unique benefits that can attract and retain members in an increasingly competitive digital banking landscape.