nFinia

nFinia is an advanced omnichannel platform built to exceed the evolving demands of modern community financial institutions and their users, leveraging state-of-the-art architecture with a strong emphasis on user experience.

From account overviews, transfers, and financial wellness to back-end reporting, payments and marketing, we cover every aspect of your financial institution's banking needs.

nFinia Key Features

• User Experience: Exceed user expectations by blending familiar designs from popular apps with advanced functionality. Users can enjoy a quick overview of recent activities, advanced search options, and ADA-compliant accessibility, all designed for a seamless and intuitive experience.
  
  
• Configurable Platform: Tyfone delivers a configurable, intuitive, and user-friendly experience that distinguishes your financial institution. Our adaptable interface offers flexibility, whether you prefer a consultative approach or complete control, with ongoing support and easy upgrades.
  
  
• Transfers: To streamline your users’ financial transactions,we offer comprehensive options such as internal funds transfers, external A2A transfers via third-party integrations and ACH, P2P transfers and instant payments via FedNow.
  
  
• Bill Pay: nFinia seamlessly integrates with any bill pay vendor of your choice. Alternatively, partner with our preferred vendors to access features such as recurring payments, bulk payee management, payment cancellations, custom payee grouping, e-bill management, and real-time alerts.
  
  
• Card Management: Provide your account holders with essential card management functionalities such as activation, replacement, spending limits, PIN changes, card lock/unlock, travel notifications, push provisioning, and digital issuance.
  
  
• Remote Deposit Capture: Allow your users to easily deposit checks with nFinia’s flexible integration options. Choose from your preferred RDC vendor or our recommended partners for features like image scanning, video-based image capture, and deposit history.
  
  
• Alerts & Notifications: nFinia empowers banks and credit unions to communicate with their account holders through SMS, push notifications, and email alerts. These include balance changes, transaction activity, personal information updates, service outages, and payment reminders, ensuring users stay informed in real-time.
  
  
• Business Banking: Our business banking solution expands the nFinia platform with features for business account holders, including unified login, user/sub-user management, roles and permissions, same-day/next-day ACH, and wire transfers.
  
  
• Harmoney Management Console:The Harmoney Management Console, included with our nFinia digital banking solution, streamlines internal processes and training. It empowers your staff to support account holders effortlessly, boosting efficiency and enhancing end-user satisfaction.
  
  
• Reporting: Our streamlined reports minimize manual, time-consuming back-office tasks, boosting your internal efficiency. With a comprehensive suite of reports, your staff can focus less on spreadsheets and more on delivering better client service and driving long-term strategic success for your financial institution.
  

Additional Offerings

• Quick Pay: Our Quick Pay solution is digital banking agnostic meaning it integrates with any digital banking platform. Provide your account holders with a simple way to make loan payments and elevate your financial institution to new user satisfaction.
  
  
• Skip-A-Pay:On average, financial institiution staff spends 45 minutes to process a loan skip manually. Not only are manual skips time-consuming but they can also increase the risk of errors. Our Skip-A-Pay solution changes everything by enabling automated loan skipping year-round with no impact to credit score.

• IPX: Instant Payment Xchange™ (IPX) is a secure, comprehensive, scalable, and affordable instant payments and money movement gateway to the FedNow Service. IPX securely connects to your core and enables your institution, your retail and your business accountholders to securely send and receive money instantly.

nFinia offers an ultra-modern digital banking experience for your account holders. To ensure nFinia keeps up with the pace of innovation, Tyfone leverages a sophisticated, configurable and scalable platform usable on any device. Let's look at some key benefits below.

• Future-Proof Your Business: Delight your account holders and stay ahead of competition with a flexible digital banking platform that can incorporate new technologies and features such as the FedNow Instant Payment Service.
  
  
• Provide An Easy-To-Use Platform: nFinia delivers a user-friendly and streamlined experience for your account holders. We empower them to take control of their entire financial journey on a platform designed to mirror their favorite, well-loved apps.
  
  
• Retain Account Holders: Ensure client satsifaction by providing access to a modern digital banking platform. Personalize our solution with your brand identity and messaging to enhance loyalty from your users.
  
  
• Integration Friendly: Gain access to an adaptable platform that works with any 3rd party partner. The nFinia platform is API driven, has 300+ native functions and more than 160 partner integrations.
  
  
• Increase Internal Efficiency: Reduce the workload on your call-center by letting business owners and users adopt self-service functionalities.
  
  
• Faster Training And Support: Our admin console's intuitive design combines extensive customer feedback and modern UX navigation principles with the idea that better employee experiences directly correlate to better end user experiences.
  
  
• Unlimited Users: Our admin console uses role-based access control and has no user limit. This makes it easy for all of your employees to access critical information, saving them time and raising their internal efficiency.
  
  
• Ultra-Modern Architecture: Live-Live infrastructure ensures uninterrupted service with automatic failovers that restore operations within seconds, delivering virtually zero downtime for a seamless, next-gen banking experience.
  
  
• Proprietary Identity & Transaction Security Platform: Tokenized security reduces fraud risk without compromising ease of use, backed by over 20 patents in authentication and payments that underscore our commitment to innovation. Our platform is compliant with NIST 1.1, PCI/DSS, and SOC 2 Type 2 standards, ensuring top-tier security and reliability.
  
  
• Strong Cybersecurity Today For Tomorrow's Challenges: Comprehensive security measures include vulnerability scanning, penetration testing, anti-phishing and anti-pharming protection, intrusion detection, and multi-factor authentication (MFA) through OTP, software-hardware tokens, and biometrics.