For banks, lenders, fintechs, retailers and platforms
Run Cowally as your core banking system, or start alongside the one you have and switch over when you're ready. Launch new loan, savings and payment products yourself, without buying implementation hours, with every change approved and logged.
LOAN PRODUCTS · APPROVAL RULE
Rule · Consumer loan
Edited by C. Ruiz · approved by Risk
SAVINGS PRODUCTS · NEW
New product · Goal savings
Set up by C. Ruiz · Product
PAYMENTS · CHANNELS
Payment options
Bill payments
Utilities, phone and internet
QR payments
Pay in stores by scanning
Instant transfers
Arrives in seconds, 24/7 · limit COP 10,000,000
Transfers to other banks
Same-day bank transfers
Julián M.
@julianm
Amount
$350,000
PRE-APPROVED LOAN
Up to
$18,000,000
48 months · 1.4% monthly
See my offer
NEW · GOAL SAVINGS
Your trip
Goal $6,000,000
Start saving
To Julián M.
$350,000
Arrives in seconds
Modernize without a risky big switch. Start alongside your current system, or run Cowally as your core banking from day one. Built for banks, credit unions, lenders, fintechs and savings funds.
For banks, lenders & fintechsOffer loans and accounts to your customers under your own brand, without becoming a bank. A licensed partner bank takes care of the regulated side; you keep the customer relationship.
For retailers & platforms
Start lending with Cowally Lite: build your loan application with simple forms and follow every loan live. From USD 750 a month, first month free.
Meet Cowally LiteNo stitching five vendors together. Each part also works on its own, so you can start with one and add the rest when it makes sense.
Mobile app, web and WhatsApp under your brand. Customers sign up, open products, pay, transfer, download statements and get help at any hour.
One workspace per team: loan applications, collections, treasury, accounting and period close, and reports to regulators. Each team sees only what its permissions allow.
Ready-made tools for each step of your lending: onboarding with pre-approved offers, a decision engine you draw yourself, documents with every version, collections by risk level, and analytics for every team.
Explore the toolsKeeps customers, accounts, balances, loans and rules, updated in real time. Each part can be updated or replaced without stopping the rest.
Instant payments, bank transfers, QR payments, identity checks, credit bureaus, e-signature and messaging, already connected. New providers plug in without touching the core.
Insights for your customers and your teams, an agent studio to build AI agents that work under your rules, and offers your customers' own AI agents can ask for.
See AI for financial servicesWith most core banking providers, every new product (a loan, a savings account, a payment option) becomes a project: a quote, a queue and billable hours. On Cowally, your business team sets up rates, terms, amounts, payment schedules and approval rules in the back office. Before anything goes live, the right people approve it, and every change is logged for audit.
New integrations and regulatory changes still go through our team, so nothing critical changes without review.
See how products are set upConsumer loan
LiveGoal savings
LiveInstant transfers
LiveImpact checked · affects 3 workflows
TWO-PERSON APPROVAL
C. Ruiz · ProductSubmitted
M. Ortega · RiskApproved
Logged for audit · AUD-20931
Rule · Consumer loan
Product · Goal savings
Payment option · Instant transfers
C. Ruiz · Product
Set up · Oct 6, 10:42
M. Ortega · Risk
Checker
You don't have to replace everything at once to modernize. Cowally adapts to where you are today.
One client launched 7 new loan products alongside a 30-year-old core system, and is now planning its full move to Cowally.
See how we implementCowally runs your new products, customer apps and back office, while your current system keeps the accounts it already holds. Move products over one at a time, when it suits you.
Cowally keeps your accounts, balances and loans from day one. The natural choice for a new line of business, or when your current system is ready to retire.
7new loan productsin about 4 months
A financial institution with more than 3 million members
New loan products were needed on a core system nearly 30 years old, with an internal estimate of about two years.
Ran Cowally alongside the existing core: customer apps, back office and the new loan products.
7 new loan products in about 4 months, at roughly a tenth of the expected cost. Full move to the Cowally core planned.
500Kloan requests
30Knew accounts
A retailer selling to consumers
Customers wanted to pay over time at checkout, and the retailer did not want to become a bank.
Added loans at checkout under its own brand, running on Cowally.
500,000 loan requests received and 30,000 accounts opened.
AI works across the whole platform, with the full picture of each customer and loan. It recommends and shows why; your team approves what matters. Turn on only what you need.
Spending by category, budgets, savings goals and the right offer at the right moment.
See AI for financial servicesScoring support, early warnings, collection priorities and insights for every team.
See AI for financial servicesBuild AI agents that work inside your operation, under your rules.
See Agent studioBe ready when your customers' AI agents come asking for credit. Available to pilot.
See Lending to AI agentsInsights · today
Your agents
Insights · today
Found by AIYour agents
Runs on MCP+ New agentEvery action logged, with the agent and the person it works for.
AI services are available on demand and billed by use.
See AI for financial servicesThe questions your technology and compliance teams will ask, answered up front.
99.5%
99.5% uptime commitment, with backups across data centers
Two-person approval for sensitive changes
A full audit log of every change and transaction
Identity and anti-money-laundering checks at sign-up
Reports to regulators and credit bureaus, ready to send
Every transaction monitored, with alerts before customers notice a problem
Support with defined response times by severity
Hosted by us, or installed on your own servers
BIAN
CERTIFIED
Our leaders are certified in BIAN, the banking industry's open standard for modular system design, so Cowally fits the way modern banks are built and connects cleanly with the systems you already run.
A first launch can take as little as a month. The timeline depends on whether you migrate existing data, how available your technology team is, and how much you want to launch at once.
We run the platform and infrastructure, with updates (including regulatory ones), monitoring, support with response times and disaster recovery.
You run it in your own infrastructure, with licensed modules, documentation and support according to your plan.
We map your products, rules, systems and local regulations, and agree on scope and timeline.
WHO · Your product, risk and IT leads with our team
Cowally connects to your current core, accounting and data, or is set up as your core.
WHO · Our engineers, with access from your IT team
Your brand goes on the app, web and WhatsApp; payments, identity checks and credit bureaus are connected; products and rules are configured.
WHO · Our team, with your product team configuring
Your team tests real scenarios end to end before anything reaches customers.
WHO · Your team, supported by ours
You launch with our team on watch for the first weeks, ready to fix anything fast.
WHO · Both teams
Your team runs it day to day; we keep the platform updated, including regulatory updates when we host it.
WHO · Your team, with our support
Your product rules and rates, access to the systems we connect to, and one project lead.
Tell us what you want to launch. In one session we'll show Cowally running a product like yours and outline a plan and timeline for your case.