Differentiate Your Deposits, Accounts and Savings Offerings
Aura Cloud makes it easy to offer different pricing and term offerings for savings, deposits and transaction accounts, while increasing customer satisfaction through smooth on-boarding and connected payment flows.
Focus on your offerings
Avoid high costs
Provide a smooth customer experience
Plain Vanilla Accounts and Savings…
…aren’t plain anymore. To ensure your funding side of the balance sheet, you need to cater to changing customer habits, promote savings, provide interactive engagement and reward customers, all along providing them with a Savings and Deposit product. Transaction accounts on the other hand, for businesses and private customers alike, need a wide range of liquidity management options like sweeps and covers.
Our solution enables financial institutions to automate and digitise the entire on-boarding process, provide different savings and term deposit options that the customer can access and control with ease. Fully self serviceable, the customer feels in control while you focus on acquiring new customers.
All Digital, All Automated. Plain Vanilla No More.
Digital Savings, Deposit and Transaction Platform
Focus on your offerings
Aura provides you with myriad options for term and non term based savings. Choose from a multitude of settings to offer differentiated services. Reward customers for saving and transacting with you and encourage them by gamification.
Avoid high costs
Your systems that manage liabilities cannot be high cost drivers that makes the business unsustainable. Reduce costs while keeping your options of revenue open. This is true even if you are raising funds on behalf of other organisations on your platform. Our Multi-entity setup will unlock value for you in the BaaS segment.
Provide a smooth customer experience
Savings and Deposits is all about having a smooth customer on boarding, managing their accounts well and providing the right information both towards customers and regulators. Build your own customer journey to ensure zero friction at every interaction.
Leverage Data to Reduce Costs & Drive Business Results
We provide a single, unified view of all customer data and transactions across multiple channels in real time.
This allows banks to make more informed decisions about their customers’ creditworthiness and risk profile, which leads to increased loan approvals and higher returns on investment.
Our solution also enables banks to manage the entire end-to-end process from origination through servicing, collections, reporting and compliance – all from one place.
Deposit Platform - for you as well as a BaaS offering
Our cloud-based platform for savings and deposits is designed to manage your entire business and reduce costs, so you can focus on what matters most – helping your customers grow.
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Term Deposits
Savings accounts
Current accounts
Multi-currency wallets
Single IBAN, Multi Currency accounts
Nostro Accounts
Sweep in, Sweep Out
Liquidity management
Standing Instructions
Loyalty and Rewards
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Account Opening
Term Deposit initiation
Term Deposit life cycle management
Premature withdrawals
Change of terms
Fees and charges
Account monitors
Rewards management
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KYC checks
AML and transaction monitors
Branch Operational module
CTR/STR compliance reports
Single Engagement view
Customer outputs and contract management
Dunning process
Compliance data feeds
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“With Aura Cloud as a partner, we can make the right moves to increase sales and profitability. Aura Cloud has an exciting platform that will help us in our future endeavors while also adding new functionality for increased efficiency on credit processing!”
– Andreas Johansson, CEO at Wästgöta Finans
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“Aura Cloud is a partner who supports our business and product development with an agile, solution-oriented approach. The platform lets us develop new products while staying compliant - we can meet customer needs without sacrificing efficiency or security.”
– Joakim Wiksten, CEO at Serafim Finans
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“Aura Cloud has helped to transform our back office and investment platform, replacing legacy systems with a far superior automated one that is constantly monitoring what’s most relevant to us. The cloud-based solution not only saves money but also mitigates risks in real time providing stress free days for all members of my team!”
– Elisa Saarinen, CEO at Vauraus
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"We chose Aura for its hands-on and fast implementation process, responsive customer support team members who are always happy to help you out in a timely manner."
– Alexis Kopylov, CEO at DBT Capital
Your Digital Deposits Platform Is Ready for Launch
1 · Book a Demo
Get to know our platform with our experts. We will walk you through its myriad capabilities and how it benefits your business. Discuss your business ideas / use cases and challenge us with your vision. You will be surprised with the vast capabilities that you can unlock for your business.
2 · Personalise Your Experience
Our experts will scope your business, make a fitment and provide advice on how to make the best of the platform. Demand your own Customer Journey, play with our APIs, customise your data flows and bring your products to life.
3 · Launch Within Weeks
Be it a green-field or migrated portfolio, our on-boarding is smooth, structured and simple. Our tested on-boarding methodology ensures fit-for-purpose and quick deployment processes ensures that you can hit the ground running in weeks.
Integrate With Ease
You don't have time to waste on complicated integrations or expensive tools that just don't work the way they should.
With Aura Cloud, your team can easily create new APIs or modify existing ones without having to do any heavy lifting.
In fact, with over 6500+ actions on various APIs available to choose from, the possibilities are endless! And because our REST API container is automatically version controlled, there’s no need for you to worry about ever losing data again.
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