Banking as a Service to Make Finance Human

Banking as a Service to Make Finance Human

AUSTIN, Texas, February 02, 2022–(BUSINESS WIRE)–Q2 Holdings, Inc. (NYSE:QTWO), a number one supplier of digital transformation options for banking and lending, as we speak introduced the introduction of Helix, the evolution of Q2’s Banking-as-a-Service (BaaS) platform. As a cloud-native core objective constructed for embedded finance, Helix allows any modern firm to supply differentiated banking merchandise which might be personalised to serve the distinctive wants of their customers. Whereas Q2’s digital banking platform is targeted on serving the wants of banks and credit score unions, Helix empowers fintechs, expertise firms and client manufacturers with the platform and monetary establishment companions wanted to embed banking into their ecosystems.

Helix serves greater than 11 million customers nationwide and processes over $20 billion in transactions per 12 months. Helix gives the constructing blocks of banking – accounts, playing cards, funds, knowledge and controls, administrative instruments and monetization options – multi function place to make it simpler to embed personalised monetary experiences in context.

“We have now entered a brand new frontier in monetary providers: the convergence of monetary establishments, fintechs and client manufacturers,” stated Jonathan Value, EVP of Rising Enterprise, Company & Enterprise Growth, Q2. “Profitable expertise firms traditionally have gained traction out there by constructing their merchandise round every particular consumer’s wants and context. We have now taken that very same design philosophy and utilized it to banking.”

“With Helix, we’re constructing on Q2’s experience in digital banking and partnering with modern firms to make finance human,” stated Helix Normal Supervisor Ahon Sarkar. “For us, making finance human means three issues: first, making a world the place the monetary merchandise that serve us are as distinctive because the those who use them; second, enabling firms to design their merchandise round every particular person as an alternative of forcing folks to evolve their must current merchandise; and third, making a world the place human-centric monetary providers can be found for each particular person.”

With Helix, firms can create distinctive banking options which might be designed round their customers to drive adoption, engagement, retention and in the end, profitability.

“The factor that stands out about Helix is the simplicity: within the expertise and integration after which within the pricing mannequin,” stated Acorns Chief Enterprise Officer, Manning Discipline. “There’s a lot inherent complexity on this panorama and Helix makes it simple to develop one thing nice for our prospects.”

With a contemporary, proprietary cloud-based core, native REST APIs, a unified back-office console for simpler fintech-bank collaboration, and a community of sponsor financial institution companions, Helix is designed to work collectively seamlessly, eliminating the necessity to mix and handle disparate programs.

“In any innovation, it takes a workforce to maneuver ahead,” stated Todd Brockman, common supervisor of Visa DPS. “Visa is worked up to accomplice with Helix as a most popular card processor to carry new innovation to the monetary trade.”

For firms that need to provide banking options to their customers to drive retention and engagement, Helix supplies the next key advantages:

  • Personalization – Traditionally, lots of the banking merchandise supplied to shoppers have been cookie-cutter options which might be insufficient in assembly the rising wants of firms and serving the distinctive wants of customers. Helix helps firms leverage the context they’ve about customers to outline protocols reminiscent of limits, options, and controls at a per-customer stage. This stage of personalization drives engagement for the consumer applications whereas serving to to extra granularly handle the danger of fraud.

  • Impression at Scale – To “make finance human,” Helix has to function on the largest scale. Taking these personalised banking merchandise and scaling them as much as multi-million consumer bases include a set of distinctive challenges, distinct from these of a program beginning with its first consumer. With a expertise basis able to supporting multi-million consumer applications, a user-centric API structure, and a novel back-office console, Helix is making it simpler than ever for firms to construct worthwhile and sustainable banking merchandise and companies.

  • Flexibility and Management – Helix gives a totally geared up, complete back-office console and fraud administration instruments to simplify operations and streamline dispute and fraud decision. By making operations simpler and buyer help experiences extra seamless, Helix permits organizations to reply sooner and offers our prospects extra flexibility and management. By giving firms fraud controls on the consumer stage, Helix allows organizations to leverage their current understanding of their prospects to make higher threat choices, minimizing fraud and maximizing consumer engagement.

  • Decrease price of service – Helix’s cloud structure permits it to function at a a lot decrease cost-basis than conventional cores, decreasing the price of serving consumer accounts and enabling firms to design merchandise round prospects’ distinctive wants. By enabling modern firms to embed monetary options into their merchandise, Helix permits organizations to make it simpler for any anybody to take part within the U.S. financial system.

For extra details about Helix go to

About Q2 Holdings, Inc.

Q2 is a monetary expertise firm devoted to offering digital banking and lending options to banks, credit score unions, various finance, and fintech firms within the U.S. and internationally. With complete end-to-end resolution units, Q2 allows its companions to supply cohesive, safe, data-driven experiences to each account holder – from client to small enterprise and company. Headquartered in Austin, Texas, Q2 has workplaces all through the world and is publicly traded on the NYSE below the inventory image QTWO. To be taught extra, please go to

About Helix

Helix provides modern fintechs and types the constructing blocks of banking — accounts, playing cards, funds, knowledge and controls, admin instruments, and monetization options — to make it simple to embed personalised monetary experiences that simply combine and scale. For extra info on Helix, go to

View supply model on


Cole Lanier
Q2 Holdings, Inc.
M: +1-205-616-6142
[email protected]

Josh Yankovich
Q2 Holdings, Inc.
O: +1-512-682-4463
[email protected]