Empowering banks and credit unions with customer-centric solutions that enhance efficiency for both institutions and individuals is a key role of fintech innovation. Whether the goal is increased security, faster transactions, or personalized financial guidance, solutions that tackle these challenges not only make financial life easier and safer for customers and members, but also help banks and credit unions streamline operations, grow their user bases, and compete more effectively in the marketplace for financial services.
This year, FinovateSpring 2026 will showcase five companies that are streamlining the account onboarding (and offboarding) process, helping banks and credit unions offer new services like earned wage access and protected transactions, and reducing compliance risk for financial institutions of all sizes.
Eisen
Eisen automates escheatment for abandoned accounts, dormant balances, forced closures, and stale checks, reducing back-office work by 90%. Financial institutions use Eisen’s escheatment, disbursement, and outreach tools to streamline account offboarding while automating manual work and reducing risk of non-compliance.
Headquartered in New York and founded in 2021, Eisen has partnered with organizations across various industries—banks, brokerages, telecoms, and more—to manage unclaimed property and automate escheatment compliance. The company builds products that help businesses proactively manage their offboarding, creating a new category of Account Offboarding Solutions that ultimately help reunite customers with their money.
Holdyn
Holdyn is a trust-first fintech platform enabling secure, structured transactions and conditional payments. In addition to moving funds instantly, Holdyn also allows users to define how and when funds are released, reducing counterparty risk in both local and cross-border transactions.
Founded in 2025 and headquartered in Tel Aviv, Israel, Holdyn offers protected transactions that safeguard both sides, enabling users to pay with confidence and get paid with certainty. Capital remains secured within Holdyn’s payment infrastructure—powered by Stripe—and is released only upon mutual verification that all transaction conditions have been met.
Kiro Money
Kiro Money helps FIs grow deposits and product adoption by embedding intent-aware guidance that converts user uncertainty into action inside their platforms. The company embeds agentic AI into fintech and banking platforms to deliver contextual, personalized financial intelligence. Kiro Money also offers financial education workshops, programs, and coaching to expand financial guidance and education access to the next generation.
Headquartered in San Francisco and founded in 2024, Kiro Money combines financial expertise and science to simplify finance. The company offers approachable conversations with money coaches to provide clear, direct answers that cut through the complexity to give customers the answers they need.
Loquat
Loquat enables banks and credit unions to scale faster by digitizing onboarding, cutting review times by 80%, and unlocking new deposit growth. The company provides seamless KYC/KYB, fast onboarding, virtual cards, and automated, digital lending with streamlined origination and tailored underwriting. Loquat’s CALM Portal for credit unions and banks provides back-office queue management, compliance monitoring, and application decision-making for institution staff.
Founded in 2018 and headquartered in Miami, Florida, Loquat also offers an AI-driven insights engine, Loquat IQ, that leverages a financial institution’s data to deliver tailored insights for strategic and operational success.
Veep Software
Veep Software offers AnytimePay to banks and credit unions within their app. AnytimePay allows their customers to access their pay between pay cycles. Earned Wage Access solutions like AnytimePay help improve short-term liquidity for employees and reduce reliance on high-cost alternatives. The company’s technology helps attract new, younger members; encourages increased activity within the organization’s app; and provides financial wellness to the organization’s customers.
Headquartered in Miami, Florida, and founded in 2019, Veep Software is innovating how people pay globally, providing technology that enables banks and credit unions to compete with neobanks and fintechs with their own apps.
Why banks should care
Surveys of bank and credit union leaders consistently note that solutions that help them keep their accountholders safe and their financial lives easier to build and manage are prized most by customers and members. At a time of growing cybersecurity challenges—including AI-powered fraud threats—as well as dramatic technological change, partnering with fintechs that specialize in these fields and offer these solutions is a proven way for banks and credit unions to boost efficiency by streamlining operations, and grow their customer bases via in-demand services that offer financial guidance; early access to earned wages; and secure, conditional payments, and more.
Photo by Romulo Queiroz from Pexels
Views: 371
