fincarna

Modernize without migrating

You don’t need a new core to get modern pricing. Fincarna adds a pricing and revenue management layer on top of your existing system. Same core, new capabilities, live in weeks.

The challenge

Your core banking system is 10 or 20 years old. It handles accounts, ledgers, and compliance reporting reliably. But it wasn’t built for dynamic pricing, real-time promotional offers, or self-serve product configuration.

The obvious answer is a core migration. But core migrations take two to five years, cost tens of millions, and carry enormous operational risk. For an institution with a lean IT team, it’s not a realistic option, at least not this year.

So the pricing limitations persist: new products launch slowly, promotions run by hand, and fee schedules stay rigid, with every workaround adding work for an already stretched team.

How Fincarna solves it

Fincarna doesn’t replace your core. It complements it by extracting the pricing and revenue workload into a modern layer that sits alongside your existing system.

Your core continues to do what it does well: account management, ledger, regulatory reporting. Fincarna handles what your core was never designed for: dynamic pricing, promotional rate management, real-time fee calculation, and self-serve product configuration.

The integration is lightweight: your systems call our REST API in real time or upload CSV files from nightly batch exports. No schema changes to your core and no data migration.

Integration patterns

  • REST API

    Your systems call Fincarna’s API to push account, customer, and event data in real time. You control what flows in and when.

  • CSV file upload

    Export nightly batch files from your core and upload them to Fincarna. Secure presigned URLs, automatic validation, row-level error handling. Every API operation is also available via file upload.

  • Extensible data model

    Add custom fields to accounts and customers to match your business. Those fields are immediately available in the JavaScript pricing engine as methods on those objects.

  • Event-driven billing

    Send us your business events: transactions, balance changes, service usage. Fincarna evaluates pricing rules against each event and produces billing outcomes.

What changes (and what doesn’t)

What changes

Pricing model configuration becomes self-serve

Use the dashboard or API to configure pricing models, promotional rules, and fee schedules, no core changes, no IT tickets.

Promotional campaigns launch in days

Define eligibility, duration, and stacking rules. Activate immediately or schedule for a future date. The core doesn’t need to know.

Fee calculations your core can’t do

Fincarna handles fee logic that your core wasn’t built for: real-time calculations, complex tiered pricing, and usage-based charges. Results are delivered via messaging in real time or aligned to your configured billing cycles.

Billing accuracy is enforced every cycle

Every billing cycle, Fincarna executes your pricing rules directly. Waivers expire on schedule, tiers calculate correctly, and every fee is charged.

Audit trails cover every pricing decision

Who changed what, when, and why. Every configuration change, every billing event, every promotional enrollment, all logged and queryable.

What stays the same

  • Your core banking system
  • Your account management workflows
  • Your ledger and GL
  • Your regulatory reporting
  • Your existing integrations with other systems

Each layer adds capability your core doesn’t have

Fincarna’s catalog builds on what your core already knows. Products mirror your core. Variants let you create multiple pricing models for the same product. Bundles group variants into relationship packages. Rewards encourage the behaviors that benefit your institution. Promotions let you take any of this to market with time-limited, rule-driven campaigns.

Layer 1ProductMirrors what exists in your coreYour core has products. So does Fincarna.Chequing, savings, LOC, mortgage. One-to-one with your core.Layer 2VariantsMultiple pricing models per productOne product, many pricing options.A LOC can have Standard and Premium variants, each with itsown fees, rates, entitlements, and billing cycle.Layer 3aBundlesGroup variants, price as oneGroup variants across products into asingle offering with shared pricing.Layer 3bRewardsConditional, behavior-drivenWaive fees or discount rates whenconditions are met. Encourage behavior.Layer 4aPromotionsTime-limited, rule-drivenTake any variant or bundle to market.Set a window. Everything reverts on expiry.Layer 4bDealsNegotiated, per clientBespoke terms for one relationship.Approved before they ever reach a bill.Your core todayProductflexibilityRelationshippricingCompetitiveadvantageEach layer adds capability your core doesn't have. No migration required.WHAT IT ENABLES ↑

What you can launch faster

  • New fee schedules

    Update or create fee schedules for any product (chequing, savings, lending, credit cards) without core changes. Fees can be flat, tiered, balance-based, usage-based, or any combination.

  • Promotional campaigns

    Launch time-limited promotions with eligibility rules, automatic expiry, and stacking controls. Configure and activate in the dashboard.

  • Product bundles

    Create multi-product bundles with shared fee waivers, relationship-based pricing, and household aggregation. Configure in the dashboard, activate immediately.

  • Rate adjustments

    Respond to rate changes (your own or the market's) by updating pricing rules in Fincarna. Changes propagate to all affected accounts in the next billing cycle.

  • Custom billing logic

    For edge cases that don't fit a template, write custom rules in JavaScript that execute inside the platform. Deploy instantly via the API.

Before and after

Without Fincarna

  1. 1Business defines a new fee structure
  2. 2Submits requirements to IT
  3. 3IT estimates and schedules into next release (4–8 weeks)
  4. 4Configuration changes in core staging environment
  5. 5QA testing (1–2 weeks)
  6. 6Change management approval
  7. 7Production deployment during maintenance window
  8. 8Post-deployment verification

6–16 weeks

With Fincarna

  1. 1Business configures the pricing model in Fincarna dashboard
  2. 2Reviews and approves (built-in approval workflow)
  3. 3Activates

1–3 days

Speed in numbers

10x
Faster pricing launchesDays instead of months
Zero
IT tickets for pricing changesBusiness teams self-serve through the dashboard
Same day
Rate change response timeReact to market movements without waiting for a core release

A practical modernization path

Fincarna isn’t a stepping stone to a core replacement. It’s a permanent layer that makes your current core more capable. But if you do eventually migrate your core, Fincarna moves with you. The pricing logic lives in Fincarna, not in your core, so switching cores doesn’t mean reconfiguring your pricing.

Think of it as the modern billing layer that your next core (and your current one) never had.

Modernize this quarter, not next decade

Let us show you what modern billing looks like on top of your current core. No migration plan required.

or email us at hello@fincarna.com