Empowering Community Banks. Strengthening Local Communities.

Better Tech for Your Bank. Better Banking for Your Community.

Why Econofi ™?

• Expand Your Product Offerings: Offer cutting-edge financial products that grow revenue and increase customer loyalty.
• Increase CRA Ratings: Use new lending products to improve your CRA rating from "Needs to Improve" to "Outstanding."
• Serve the Underbanked and Unbanked: Tap into underserved populations with secure, AI-powered solutions that meet real community needs.

As a community bank, limited resources and outdated technology may prevent you from serving unbanked and underbanked populations who should be able to rely on you.

Econofi™ bridges that gap, empowering your bank with cutting-edge, white-labeled technology that allows you to deliver modern financial services on par with large institutions, tailored to your community’s needs. This gives you the ability to enhance the services you offer to those who need it most.

Econofi ™ Novus Loans: A Revolutionary Lending Solution

We are developing an innovative solution for community banks to issue credit cards and maintain the customer-credit card relationship, generating revenue through both interchange fees and interest. By diversifying your offerings, you not only grow revenue but also provide customers with innovative lending options:

• Credit Builder Loans with Secured Credit Cards
• Buy Now, Pay Later Loans
• Small Business Loans
• Healthcare Payment Loans
• Small Farm Loans

Increase CRA Ratings: Let’s discuss how Econofi™ Novus Loans can help improve your bank’s CRA rating.

Econofi ™ Community Account: Banking for Everyone

Serve the People Who Need You Most: The Unbanked and Underbanked

Millions of Americans remain locked out of traditional financial services, relying on costly payday lenders and check-cashing outlets. Econofi™ equips your bank with the tools to offer real alternatives to those underserved by the financial system.

We are developing accounts designed to meet the needs of the underbanked and unbanked with:

• No-minimum-balance checking and savings accounts
• Debit and credit cards
  
• A mobile app that gives your customers easy access to bill payments and transfers.

Let's discuss how your bank can use these account features to attract new customers underserved by traditional banking institutions.

Econofi ™ Uplift Access: AI-Powered Solutions for the Unbanked

A significant portion of your community may still be unbanked, but Econofi™ helps you change that. By leveraging advanced AI technologies, we reduce fraud risks, enabling your bank to serve the unbanked safely. Our solutions help you reach previously untapped markets while reducing operational risks.

• Econofi-IDV ™: Identity verification that gives unbanked individuals access to any community bank within the Econofi network.
• Econofi-CKVAL ™: AI validation for government checks, with payroll check validation to follow.                                     

Expand your reach, increase revenue, and create a positive community impact by offering check-cashing, bill pay, a secured credit cards, and other financial products tailored for this group.

Future-Proofing Your Bank

Community banks are the heart of local economies, but staying competitive in a tech-driven world requires modern solutions. Econofi™ gives your bank the technology to offer better services, attract more customers, and strengthen your role as a trusted financial partner.

Let’s Build a Stronger Community Together

Contact us today to discover how Econofi™ can help your bank grow, serve more people, and ensure a stronger financial future for your community.