Integrated Finance — A best-in-class platform for a modern fintech.
Providing fintechs access to on-demand core financial services and integration workflows designed to help them shape the future of financial services.
Use cases
Banking
Card issuers
Digital bank
Travel / FX
Operating regions
Global
FINTECHS
Helping fintechs build, expand & manage their financial infrastructure
The partner.
Integrated Finance is a technology company offering a modular fintech infrastructure stack to help businesses looking to launch, expand or embed financial products. Their technology allows companies access to the three key modules required to launch their product: account management, card issuing and compliance tools. This modularity grants customers full control to customise their programme as necessary.
The challenge.
Integrated Finance’s role is to bridge the gap between developing essential financial infrastructure and helping businesses to create, launch and expand new fintech products and services. Integrated Finance wanted to help their clients looking to add cards to their existing proposition while prioritising speed-to-market.
The three key considerations for Integrated Finance
Compliance considerations - Regulatory issues surrounding financial technology often put constraints on the features of products which their clients wish to launch or which service providers the company will have to use to create them.
Commercial coordination - Financial companies wishing to successfully launch new products and services must first agree commercial relationships with the various partners necessary to bring any new proposition to life.
Technical distractions - The development of any new product or service can be complex. When a technology stack is built and maintained in-house, businesses are constrained by their internal resources which can often lead to missed opportunities when compared to working with a network of partners.
In short, Integrated Finance needed a way to streamline the process of launching new programmes by eliminating the unnecessary complexity associated with compliance, commercial partnerships, and the technical mechanics of development.
The Solution.
Integrated Finance connected Thredd to its infrastructure to offer its customers all the components they needed to build and launch products faster and more efficiently than ever before.
As a payment issuer with extensive experience in the above technical challenges, Thredd was able to help Integrated Finance create programmes better suited to their customer needs. These new products include core transaction processing and additional functionality to help Integrated Finance deliver the technical access to fundamental yet boilerplate services like KYC, Accounts, FX and Cards, leaving Programmes distraction-free to focus on their customer.
Thredd’s payment processing solutions enabled Integrated Finance to attach cards to any account-issuing BaaS provider whilst their proprietary ledger acts as a source of truth also handling card authorisation.
With Thredd, we have this shared belief in industry collaboration. We understand that, as two companies offering a joint proposition, it’s our responsibility to find new and innovative ways to provide fintechs with the technology that can bring their products to life.
Amar Kotak
Head Of Commercial
The Payoff.
The impact of the collaboration has meant that fintechs can ensure service delivery using the modular infrastructure Integrated Finance provides so that they can focus solely on what they need offering lean and differentiated products.
As a result of the partnership, Integrated Finance’s customers have been able to see operational cost reductions of up to 50% — a figure which has been particularly significant for SMEs and startups. Furthermore, Thredd has also enabled Integrated Finance to cut down on the cost and time of development itself, while also increasing speed-to-market.
