fincarna

Treat members by the value they bring

Your members hold a chequing account, a mortgage, and a line of credit, but your rewards program sees one product at a time. Fincarna rewards the whole relationship, so members who bring more get more back.

The challenge

Most reward programs are product-level: a cashback rate on a credit card, a fee waiver on chequing, a rate discount on a mortgage. Each program runs independently. The member who holds five products gets the same cashback rate as the member who holds one.

The billing system sees individual accounts, so it cannot reward a member for holding five products instead of one, or for how they use them.

Building a relationship-based rewards program on top of a legacy core means custom queries, manual eligibility checks, and spreadsheets reconciled quarterly. It can be done, but not every cycle and not for every member.

How Fincarna solves it

Fincarna aggregates member data across products and accounts into one view of the relationship. From there, you can define reward tiers, benefits, and eligibility criteria that reflect everything a member brings, not their activity on a single product.

Rewards can be anything your pricing engine supports: rate discounts, fee waivers, bonus interest, cashback credits, or additional entitlements. Because the rewards are calculated at the billing layer, they apply automatically, with no manual processing.

What you can offer

  • Relationship rate discounts

    0.25% off with 3+ products

    Members with multiple products automatically receive a lending rate discount. Calculated at the billing layer, no core rate changes required.

  • Tiered fee waivers

    Bronze → Silver → Gold

    Tiers based on total relationship value. Each tier carries fee waivers: monthly account fees, wire transfers, foreign exchange. Tier status recalculated every billing cycle.

  • Bonus interest

    Rate boost on savings

    Reward high-balance savings with bonus interest tied to the member’s overall product mix. Applied as a billing adjustment on top of the core deposit rate.

  • Household aggregation

    Shared tier status

    Aggregate balances and product counts across everything a member holds, and across the household where you choose to. Parents and children benefit from pooled entitlements and shared rewards.

  • Cashback and points

    Statement credits & offsets

    Credit cashback or points based on transaction volume, product mix, or account tenure. Points can be applied as statement credits, fee offsets, or rate adjustments.

Design your reward tiers with us

Describe the tiers and benefits you have in mind and we will configure them in Fincarna with you.

or email us at hello@fincarna.com