Financial Health Your Customers Can Act On
Quandra is a financial health engine that engages your customers on the money topics that matter to them and turns their financial data into personalized insights and next steps, delivered in your digital channels under your brand. Help them reach their goals while you grow deposits, loans, assets under management, and customer loyalty.
- Quick Launch
- Embeds in your channels
- Your brand
How Quandra Works
From engagement to insight to action, inside your channels.
- 1
Engage Customer
Customers explore their finances, set goals, and share what matters to them, using our white-label engagement layer that lives inside your web and mobile apps. Already have a UI for that? Use the engine directly via our APIs.
- 2
Identify Need
The engine combines everything it knows about a customer and any data you choose to connect, then identifies their most pressing need, whether that's a safety net, a plan for debt, or a place to grow savings.
- 3
Lead to Solution
When the customer is ready and a product fits, Quandra initiates a handoff in line with regulations and your procedures, such as presenting an offer or routing to your existing onboarding process and licensed professionals.
What Powers Each Step
A closer look inside Quandra, from the first scenario a customer explores to the offer that fits their plan.
Step 1 · Engage
One playground for every money question
Connected, not another calculator
Goals, debt, cash flow, and investing share many numbers, so a change in one shows its effect on all the others.
Try it before deciding
Test a decision, like a consolidation loan, a bigger mortgage payment, or a new car, and see the impact on every goal at once.
Always knows what to try next
Customers never face a blank page. The playground suggests the scenario that matters most right now, and the natural one after it.
Learns as customers explore
Information is collected gradually, a few questions at a time, and only when a scenario needs it. No long forms upfront.
Value from day one
Customers can enter details by hand, like debts held at other lenders, and get answers before any data is connected.
Customers come back to explore, and share a little more about themselves every time they do.
Step 2 · Guide
An engine that understands each customer, and knows what comes next
Puts the pieces together
Combines what customers share with transactions, balances, income, and liabilities from your systems into one complete picture.
Knows where each customer is
Recognizes the stage of their journey, from getting by month to month, to building a safety net, to growing wealth.
Understands what matters
Weighs what customers say is important against what the numbers show, and focuses on what is relevant to them now.
Keeps the plan together
Goals, debts, and plans stay connected as life changes, so guidance stays consistent and never contradicts itself.
Turns analysis into guidance
Every insight comes with a clear next step in plain language. If your data is already connected, it's ready before the first login.
Guidance that feels personal, because it's built on the full picture.
Step 3 · Offer
The right message, at the right moment, on the right channel
Triggered by real moments
Notifications follow what customers are doing, like exploring a consolidation scenario, nearing a savings goal, or building up a surplus.
Grounded in need
Every reminder, tip, and offer ties back to the customer's priorities and plan, not a campaign calendar.
Delivered across your channels
Push notifications, email, your online and mobile banking, or the engagement layer, plus your branch and contact center staff.
Warm handoffs to your people
With the customer's permission, loan officers and advisors get the full picture before the conversation starts.
Instant decisions when you're ready
With a lending integration, customers can pre-qualify and apply in minutes, from details they've already shared.
Higher conversion, fewer irrelevant offers, and customers who welcome the next one.
A Financial Health Experience, Ready to Launch
Embed our white-label experience in your digital channels, or build your own on our APIs.
Quick start
Launch the ready-made experience in your web and mobile apps without integrating your systems first. Customers get the full experience from day one by sharing a few details in minutes. Connect account data whenever you're ready, and their numbers simply stay up to date on their own.
Your brand, everywhere
Apply your colors, typography, logo, and voice so every screen feels native to your digital banking. Host it on your own domain, and keep every notification and message in your tone. Your customers see you, not us.
Choose the modules you need
Start with what your customers need most, from dashboards and budgeting to goals, debt, investments, and the scenario playground. Every module shares the same customer picture, so switching on more as you grow adds value without re-integrating.
Or go API-first
Already have an app your customers love? Use the engine directly through our APIs to bring financial intelligence and smart notifications into your own screens. Your team keeps full control of the design and the journey.
Built for Institutions That Grow With Their Customers
Credit Unions
Deliver the financial wellness your members expect, with a big-bank digital experience but without a big-bank build. Turn member insight into loans, deposits, and loyalty.
Community & Regional Banks
Add personalized financial health to your digital banking without replacing the core and vendors you already depend on. Compete on relationships, not just rates.
Fintechs
Offer financial health features without building forecasting and analysis infrastructure yourself. Focus on your product, not the plumbing.
Data Safeguards
How customer data is used, secured, and kept private, and the regulations that govern both data and financial guidance.
Responsible Usage
Customer data is used only with permission. It powers the insights and next steps customers see, is shared only with your institution or parties customers approve, and is kept only as long as needed to provide the service, then deleted.
- Permission-based access
- Used only for its stated purpose
- No sharing without consent
- Limited retention
- Deletion on request
Security
You're trusting us with sensitive financial data, so we built industry best practices into Quandra from day one, rather than bolting them on after the fact.
- Industry best practices
- On the path to SOC 2 attestation
- Least-privilege access
Regulations
Quandra is built to operate within the frameworks that govern consumer financial data and advice, so your compliance and legal teams can move fast with confidence instead of chasing down gaps after launch.
- Compliant in the U.S. and Canada
- GLBA / PIPEDA
- CFPB, FTC, state/province financial laws
Data Privacy
We do not sell, rent, or monetize customer data. It is used only to provide, secure, maintain, and improve our services, or as otherwise authorized by our customers or required by law.
- No data resale
- Region-specific privacy laws
- CAN-SPAM / CASL
About Quandra
We're a small team of experienced and dedicated professionals based in Canada and the United States. We serve financial companies across North America, with security, privacy, and compliance built into everything we do.
Quandra helps financial institutions make financial health part of everyday banking. We combine a financial analysis engine with a ready-to-launch engagement experience, so credit unions, banks, and fintechs can give every customer clear insight and a next step, without building it themselves.
Our mission is simple: help people get healthier with their money, and help the institutions that serve them grow alongside them.