 | for Banks & CUs

Build Customized Pricing | for Banks & CUs

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MBI offers modular banking infrastructure, empowering your institution to activate your existing data like never before. You provide the data, we supply the tools. Together, we build towards the future.

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MBI - Transform your data into revenue | for Banks & Credit Unions

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**MBI helps financial institutions streamline even the most complex pricing and reimbursement processes** — whether it’s issuing refunds or applying tailored pricing for specific customer segments.

With **Routines,** institutions can automatically identify when a customer qualifies for a reimbursement, discount, or credit based on pre-set criteria— even across multiple product lines, thanks to a Unified ID. Once eligibility is confirmed, the system triggers a defined action, such as posting an interest credit directly to the customer’s account— no manual intervention needed.

**Use Case: Private Banking Reimbursements**
Consider a bank that offers reimbursement to its Private Banking customers for using a partner vendor's services, up to a certain amount. To qualify, customers must meet specific requirements— such as maintaining a minimum balance, the account maintaining good standing, and being enrolled in a related banking product.

Using Routines, the bank can customize automated workflows that scan transaction metadata over a defined schedule (primarily statement cycles, e.g., weekly, monthly, quarterly) and identify eligible transactions for a specific customer segment. Once a qualifying transaction is detected, the system automatically posts the reimbursement through an On-Us ACH file-- ensuring speed, accuracy, and a seamless customer experience.

How it works

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Build Customized Pricing

Streamline Customer Promotions | for Banks & CUs

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**Promotions are an easy way for financial institutions to reward and retain loyal customers.** Managing and executing these promotions, however, is not always so simple. Operations teams often face inefficient, time-consuming processes like tracking eligibility requirements, manually validating transactions, and individually posting account credits. 

Routines offer a lightweight, scalable solution to automate customer promotions through a dynamic system of triggers and actions. By continuously monitoring events from an institution’s data lake or other data sources, Routines identify when promotion criteria are met— then automatically generate a pre-set action on the account.

For example, a promotion may offer a bonus to customers who complete a certain number of qualifying transactions within a specific timeframe. Routines track transaction metadata to detect when those requirements are fulfilled. Once triggered, the Routine generates an On-Us ACH file that automatically deposits the promotional bonus into the customer’s account— no manual input or core integration required.

The result: streamlined operations, faster rewards, and an improved customer experience at scale.

Streamline Customer Promotions

Avoid 'On-us' ACH Transaction Fees | for Banks & CUs

Banks, Credit Unions, and other Financial Institutions can reduce the cost of ACH processing with Virtual Account Numbers by MBI.

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Create Unique Rulesets to Prevent Fraud Image

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**Banks and Credit Unions** that hold multiple programs are often issued fees for every “On-us” ACH transaction that is passed through the Clearing House or the Federal Reserve. These transactions are routed externally, resulting in fees that could otherwise be avoided by internal processing. 

With Virtual Account Numbers by MBI, your financial institution will be empowered to minimize the cost of ACH processing by using our custom transaction parsing system.  Transactions initiated by a financial institution (known as ODFI transactions) are dispersed using the originating institution’s routing numbers, and are internally routed to the proper system. 

Rather than paying a fee for every ACH transaction, your institution can detect transactions that use your unique set of routing numbers. Save your company from needless costs and fees for money that is moved within your systems.

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Reduce the Cost of On-us ACH Transactions

Automated Compliance and Regulatory Reports

Routines by MBI offers automated, event-driven regulatory and compliance reporting for Banks, Credit Unions, and Financial Institutions.

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**Manual processes can be costly to a financial institution**, both in terms of operational overhead and increased risk for error. With Routines by MBI, your financial institution can automate its most complex and sensitive operational processes. 

Using a system of *triggers* and *actions*, required reporting and documentation can be automated across your customer base or for a targeted customer segment based on a pre-programmed rulesets. Automatically generate compliance and regulatory reports such as SAR filings, SACR checks, FDIC reporting to ensure that you’re not missing critical due dates. 

Operational teams can assuredly screen potentially risky or fraudulent accounts through automated KYC/KYB notifications targeting customer information, transaction activity, or account number ranges. Prevent avoidable fraud losses, and alleviate operational headaches.

Automate Reporting and Operational Processes

360-degree Customer Profile View | for Banks & CUs

Registrar by MBI offers easiest way to access and action customer information in a single pane of glass. Built for Banks and Credit Unions.

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**Instead of adopting a new servicing platform for each new product,** financial institutions can now view and access customer information through a single pane of glass - across all vendors, systems, and channels. 

With MBI, financial institutions can search across all Core Systems, LOS Providers, Decision Engines, and even CRMs and internal tools. Using a single pane of glass, Operations Teams, Customer Support Teams, and Administrators can access a 360-degree view of their customer through individualized profiles: from open accounts and products, Personal Information Index information, and other customer data. Use the data you already have to know more about your customer, whenever and wherever you need it.

View Customer Profiles in a Single Platform

Proliferate Changes to Customer Information

Registrar by MBI streams updates to customer information in real-time across your bank tech stack with automatic data orchestration.

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Proliferate Changes to Customer Information Image

**Reduce manual errors, eliminate redundancies, and fend off stale or inaccurate customer information within your systems.** Equip your teams to access and update customer Personal Index Information such as customer name, phone number, email address, mailing address, Date of Birth, and many more details with confidence using a 360-degree view Command Center. 

Traditional data warehouses can provide a single view of customer information through data consolidation. However, the functionalities and capabilities of these warehouses are often limited, and primarily operate as a static reservoir of data. Registrar differs by acting as a repository and activator of customer information, allowing your operational teams to view and orchestrate changes to customer information through a single source of truth.

Instead of inputting manual and repetitive updates across disparate systems, Registrar functions as a gateway using Reverse ETL to proactively orchestrate changes from a single entry point across all products and systems. Eliminate the silos that exist between your systems, and offer a seamless experience for your operating teams and customers - without the risk of human error.

Build Customizable Credit Card Rewards Programs

Routines by MBI offers flexible and automated Credit Card Rewards programs, specifically designed for Banks, Credit Unions, and Financial Institutions.

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Customizable Credit Card Rewards Programs Image

**Credit card rewards programs are often built statically,** without room for change or innovation. With Routines by MBI, your financial institution can design and deliver a custom Credit Card Rewards program faster than you thought possible. 

Using a system of triggers and actions, credit card rewards can be generated based on rulesets that react to your credit card system’s transaction metadata. Seamlessly build flexible consumer credit card rewards programs by establishing rewards based on MCC codes, Merchants, dollar amounts, or a combination of these (and more) across your customer base, or to specific customer segments.

Customizable Credit Card Rewards Programs

Automated Fraud Prevention | for Banks & CUs

Virtual Account Numbers by MBI provides event-driven automated rulesets that combat fraud for Banks, Credit Unions, and Financial Institutions.

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**Track suspicious activity and generate automatic rulesets** to combat fraud in real time, and save your company from preventable fraud losses and operational pain points. With Routines, your financial institution can create customizable rulesets across your customer base or to specific customer segments, equipping your team with a system of sophisticated screening parameters to detect nefarious activity or fraudulent account creation before it happens. 

Using a system of triggers and actions, account settings can be automatically adjusted based on your financial institution’s fraud rules. Suspicious account details or transaction activity can trigger a Routine based on preset system-wide rulesets. A Routine can then initiate an action, such as locking an account from additional transactions, initiating a manual review of the account, or send a notification to the customer.

Virtual Account Numbers paired with Routines can allow customers to have peace of mind in knowing that their accounts are secured with tokenized account numbers. Rather than distributing one’s account number to numerous merchants and payees, customers can generate a unique Virtual Account Number with specific rulesets tied to the tokenized number. 

For example, rulesets can include transaction details such as transaction amount, payee/merchant. Transactions that do not meet the designated criteria may be declined. In tandem with a Virtual Account Number, Routines can be established to decline any transactions made to the account that do not fit the designated criteria. 

Create Unique Rulesets to Prevent Fraud

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Book A Demo

Unlock the power of your data to drive growth, boost cross-sell, and win more customers

Registrar

Access and action customer information across products through a single pane of glass

Operational Command Center

Streamline product, operational, and workflow automations

Routines

Unlock the power of Virtual Card Numbers for ACH and WIRE transactions

Virtual Account Numbers

ACH Fraud Prevention

360-degree Customer Profiles

 Customizable Credit Rewards

Automated Reporting

Explore how MBI can modernize your Bank, Credit Union, or Financial Institution's product offerings through our library of use cases.

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All use cases

Break free of inflexible, siloed, and stagnant banking systems. Explore how MBI can modernize your product offerings through our library of use cases.

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Discover how MBI can help you transform your Financial Institution. Schedule a demo with us today.

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