fincarna

Every kind of offer, one engine to run it

Cashback, fee holidays, sign-up bonuses, loyalty points, introductory rates. Whatever the offer, it needs eligibility, a lifecycle, and an expiry your billing system can enforce. Fincarna runs all of them, and gets them live in days rather than quarters.

The challenge

Institutions run every kind of promotion. A cashback offer for switching a chequing account, a waived monthly fee for the first year, a bonus rate on new deposits, points for hitting a spend target. Deciding to run one is rarely what holds a promotion up.

What holds it up is everything after that. Each kind of offer gets handled its own way. A rate change goes into the core, a fee waiver becomes a flag somewhere, a cashback is a credit someone keys in by hand, a bonus lives in a spreadsheet. Nothing ties them together, so there is no shared idea of who qualifies, how a customer enrols, how two offers interact, or when the offer is meant to stop. When a promotion should end, someone has to remember to end it, and when they forget, the offer keeps running for months past its end date.

The billing layer has no single concept of a promotion, so every offer is a one-off workaround, and workarounds do not expire on their own.

How Fincarna solves it

In Fincarna a promotion is one object, whatever it gives. The benefit can waive a fee, discount a charge, replace an amount with a fixed one, add a bonus to a rate, post a cash credit, or grant loyalty points. You pick the effect. Everything else works the same way every time.

A promotion carries its own eligibility, measured against real balances and transaction counts rather than assumed. It carries its enrollment, automatic or opt-in or unlocked by a code. It carries its stacking rules, so two offers combine only when you allow it. And it carries its dates, so it starts when it should and expires without anyone driving it.

Your core does not change. No manual configuration, no manual reversals. The whole lifecycle lives in Fincarna, and every charge or credit it produces can show its work.

BenefitWaive a feeDiscountCreditRate bonusPointsCore Banking SystemMonthly fee: $8.95Always active, unchangedFincarna Billing LayerFee waivedPromotion activeCustomer sees$8.95$0.00Waived on statement$8.95BeforeEnrollmentPromotion period (e.g. 12 months)Auto-expiryThe example is a fee waiver. The same promotion could post a credit, discount a charge, or add a rate bonus, all with this lifecycle.

One engine, every kind of offer

  • Cashback for switching

    Statement credit on signup

    A new customer moves their chequing over and earns a cash credit on their first statement. Fincarna posts it as its own line item, confirms they met the conditions, and pays it once. The credit is a promotion like any other, not an adjustment somebody keys in by hand.

  • A fee holiday that ends on time

    Waived, then restored

    Waive the monthly maintenance fee for the first year. Fincarna applies the waiver for exactly the window you set and puts the fee back on its own when that window closes. The waiver has a start, an end, and a reason, so it never becomes one of the permanent ones nobody remembers granting.

  • Bonus rate on new deposits

    +0.50% for the term

    Add a rate bonus on balances above a threshold for a fixed term. Fincarna tracks the balance, applies the bonus while the condition holds, and reverts at expiry. Deposit growth without a permanent rate commitment.

  • Spend, then unlock

    Reward on a threshold

    Spend a set amount in the first ninety days and earn a reward. Fincarna counts the qualifying transactions against the target, and the moment it is met the benefit is granted, whether that is a credit, points, or a waiver. Miss the target and nothing is owed.

Key capabilities

  • The benefit is yours to pick

    One promotion, any effect. Waive a fee, take a percentage off a charge, replace an amount with a fixed one, add a bonus to a rate, post a cash credit, or grant loyalty points. The promotion object is the same regardless of what it hands the customer, so you are not learning a different tool for each kind of offer.

  • Eligibility that is measured, not assumed

    Qualify customers on what they actually do. Transaction counts, balances, and your own custom attributes, each compared against a threshold and combined into a condition. A reward is granted because the numbers say it should be, not because someone ticked a box at account opening.

  • Enrol automatically, by opt-in, or by code

    Enrol every eligible account on its own, let customers opt in, or gate the offer behind a promo code, whether shared, single use, or targeted to a named list. Cap it per customer and overall, so a campaign cannot run away from you.

  • Stacking you actually control

    Decide whether two offers can apply together. Group competing promotions so only one from the group is ever live on an account, and set the priority for the rest. The customer gets the best applicable offer, not an accidental pile of them.

  • A lifecycle, not a flag

    Every promotion has a start, an end, and a defined behavior at each edge. It can pay once or every cycle, begin immediately or at the next cycle, and it expires on its own. Nothing here depends on someone remembering to switch it off.

  • One offer across a bundle or many products

    Target a single variant, a whole bundle, or a set of products at once, and route the benefit to the right accounts within a relationship. A household offer reaches the household without being copied onto each account by hand.

Expected outcomes

Days
Time to launch a promotionDown from the weeks or months a core-dependent change takes
0
Core banking changesEvery promotion runs at the Fincarna billing layer
100%
Promotions that expire on scheduleAuto expiry and reversion are part of the promotion, not a manual step someone has to remember

The promotion that never shipped

A cashback, a fee holiday, or a stacked offer that billing could not express. We will set it up with you in the demo.

or email us at hello@fincarna.com