Vision Railsbank

Vision

 

The world is changing fast, and so is your consumers’ behaviour. They’re demanding more – not only from the products they buy, but also from the way they interact with the brands they love. They expect seamless and immersive experiences, and they’ll remain loyal to brands who provide the enhanced digital relationships they’re looking for. It’s a huge opportunity, and it’s time for switched-on brands to respond.

 
 

“Consumers now expect retail entirely on their terms.  They want the channels they use to work seamlessly together, online and in-store combining to deliver the best, most personalised and distinctive experiences.”

When it comes to finance, most brands aren’t delivering what consumers demand. Our embedded finance experiences enable you to create the digital relationships that will build customer loyalty, increase revenues and improve your margins.

Suzy Ross, Retail Week

 
 
 
REDEFINING WHAT’S POSSIBLE

Brands succeed by building trust and loyalty, and constantly evolving to stay relevant.

The world’s biggest brands – the likes of Facebook, Amazon, Netflix, Spotify, Deliveroo – have profoundly changed our habits as consumers.

We now expect more choice, speed and relevance from every online engagement. Disrupting traditional value chains and brand interactions, these companies have dominated a whole host of markets by building incredible consumer experiences that people love.

At Railsbank, we’re rethinking how brands, products and service providers can go beyond financial transactions, and towards delivering the digital customer experiences their customers expect. Through our global Embedded Financial Experience Platform, we partner with you to co-create new business models, more relevant experiences, and more rewarding relationships.

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Understand embedded experiences

In our increasingly digital world, financial products are becoming ever-present in customers’ lives. At Railsbank we transform these new relationships into relevant and effortless embedded finance experiences, helping brands build customer loyalty and spend, create new revenue streams, and grow their bottom line.

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Experience endless benefits

For thirty years we’ve been dreaming of ways to transform how people experience financial services. We’ve assembled a world-class team. Written rivers of code. Negotiated years of regulatory compliance. And now we’ve perfected our turnkey solution – an embedded finance experience platform that will change the way we all financially interact with the brands we love.    

 

Now we’re bringing it to our clients, enabling you to build the embedded finance experiences you need to stay ahead. Seamless, effortless and deeply customer-focused. Swift to integrate, and all at significantly lower cost than banks. Prepare to switch on new revenue streams and tap into rich seams of data. And get ready to create uniquely valuable lifelong relationships with your precious customers.

Experience endless benefits

For thirty years we’ve been dreaming of ways to transform how people experience financial services. We’ve assembled a world-class team. Written rivers of code. Negotiated years of regulatory compliance. And now we’ve perfected our turnkey solution – an embedded finance experience platform that will change the way we all financially interact with the brands we love.

Explore limitless possibilities.

Paceline | Singlife | Sainsburys | Crypto.com Wage stream

 
 

Get inspired - see what’s out there

You’ve probably already had an embedded finance experience, but possibly without even realising. Think about how Uber works; you hail a cab, take your trip and rate your driver. The payment has happened effortlessly, with an experience so seamless that most of us don’t even think of it as a financial product.

Or take Starbucks. You use their app to book your coffee in advance, then skip the queues to collect it. The payment happens seamlessly through your linked Starbucks card. It’s a better experience for consumers, which makes them want to keep coming back. And of course, increased loyalty means bigger revenues.

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YOUR PARTNERS IN INNOVATION

Let’s create experiences your customers will love

Together we’ll redefine how your customers experience your brand. We’ll take you on a shared journey of innovation and co-creation, working closely with you to understand the consumer experience you want to deliver. With a wealth of experience of working at brands such as Uber Money, Wise (formally Transferwise), John Lewis Partnership, Google, and Pepsi, we know how to bring your vision perfectly to life. We’ll do the hard work and deal with the complexity, while you stay firmly in control.

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Take control with unique experiences that drive loyalty and trust

It all begins with your imagination

What are the dream experiences you'd like to replicate? Imagine you could be the next Spotify/Uber/Starbucks for enhancing the customer experience in the same way whilst increasing footfall, revenue, customer loyalty and better customer data and lifetime value.

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A smarter process. From prototype to launch, test and iteration

We’ll make everything simple, swift and cost-effective. Our highly trusted global operations and license platform processes billions of dollars annually. It runs your embedded financial services for you, enabling you to insert them into your customer journey and apps – all with a simple drag and drop.

 

Our unique user interface layer sits on top of our Railsbank open finance Operating System (ROS). OpenRailz APIs enable you to embed your own financial products directly into our Railsbank platform. What’s more, our system lets you do it for a fraction of the cost and time it would take with a traditional financial organisation.

Relax, it’s Railsbank.

You want to give your customers amazing experiences, and we’ll make it easy for you. We do the hard work, take on all the risk and provide a true turnkey solution that delivers everything you need. Here’s what you can expect >

Operational excellence – our game-changing platform is built from the ground up, to put full control, real flexibility and greater value in your hands.

Unrivalled scale – we’re already supporting a large global customer base and we have the reach to roll out our platform all over the world. 

 

Total credibility – we have the financial stability and unquestionable market expertise to make sure you enjoy true peace of mind. 

 

Regulatory approval – with our fully regulated status, we’re processing huge transaction volumes with Visa and Mastercard every day.  


Unique expertise – our highly experienced senior team has a track record of success, combined with a laser focus on you and your customers.

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