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nFinia Retail Digital Banking2026-08-26T08:40:27-07:00

Wow your users with smarter digital banking.

Banking should be easy, fast, and built for the way people live today. nFinia gives your users a seamless, AI-powered experience with smarter tools, instant payments, and secure transactions.

Leading financial institutions trust our solution.

Ready to level up your digital banking?

Identity Provider (IDP)

Evolve your digital security and trustfulness.

  • Standards-based authentication with OpenID/OAuth for secure access
  • Enable identity verification in call centers, wire centers, and third-party services like chatbots

Transaction Search

Seamlessly push data into your FI’s Data Lake.

  • Cached data for instant access and performance optimization
  • Lightning-quick fuzzy search for instant results
  • Complete Data Lake

Digital Origination

Turn more opportunities into relationships.

  • Brings account opening and lending into one platform
  • Transforms the application process from days to minutes
  • Decisions and verifies applicants in real time

Open Banking
Standards

Seamless and secure access to financial services.

  • FDX 6.0: More efficient and secure data exchange
  • ISO 20022: Simplify and improve financial transactions

Instant Payment Xchange (IPX)

80% of consumers & businesses want instant payments.

  • 23% of ACH transactions seamlessly migrated
  • 4.25x lower fraud rates compared to Zelle
  • 4x faster reconciliation for smoother operations
  • 10x fewer call center inquiries

Cryptographic Device Authentication (CDA)

Protect your users from account takeovers (ATO) with a multi-layered defense.

  • Ensure streamlined protection
  • Eliminate OTP delivery delays and errors.

One AI engine.
Three ways it works for you.

Knowledge base, FAQ & deep linking.

Your AI-powered knowledge layer. Account holders ask questions in plain language and get precise answers grounded entirely in your institution’s own content, then deep-linked straight to the right action.

ChatGPT-style data interaction.

Account holders interrogate their accounts, visualize spending, and build reports, then act on what they find. They can move money, stop a check, pause a card, and more, all inside the conversation with Fathom.

Train, monitor & govern.

Your institution’s command center for AI. Upload content, monitor queries, and turn unanswered questions into your next content push. Fathom scores documents for relevance and answer coverage before they go live, so your content can actually answer what consumers are asking.

AI-first, friction last.

Tyfone brings AI to the center of digital banking with Fathom, intelligence woven directly into the nFinia® platform rather than bolted on as a separate experience.

Fathom connects institutional knowledge, account-level intelligence and actionable banking in one conversational experience. Account holders can move from asking a question, to understanding their financial picture, to taking action without leaving the conversation. For financial institutions, that means deeper engagement, more effective self-service and an AI experience that keeps them at the center of the financial relationship.

Experience AI built for community banking.

Redefining banking with radical personalization.

Radical personalization moves way beyond cosmetic customization by allowing verified users greater control over their banking experience, positioning financial institutions that embrace it as leaders in innovation and security.

  • Protect your users from account takeovers (ATO) with a multi-layered defense, eliminating OTP errors and delays.
  • Real-time alerts provide immediate push notifications for login or transaction requests.
  • Ensure reliable authentication and transaction approval across all devices and operating systems.
  • Give your account holders full control over trusted devices and let them easily manage their settings within your banking app.

Everything you expect from modern digital banking and so much more.

While innovation is a key focus at Tyfone, our nFinia solution ensures your institution and account holders get all the essential features of a modern digital banking platform such as a seamless user experience, powerful integrations, smooth transactions, and easy account management.

Get a glimpse of our platform’s look and feel.

Fathom AI

Fathom brings AI-powered intelligence directly into the digital banking experience, helping users understand their finances, uncover deeper insights and take action through natural conversation, all while keeping their financial institution at the center of the relationship.

Transfers

To streamline your users’ financial transactions, we offer comprehensive options such as internal funds transfers, external A2A transfers via third-party integrations and ACH, P2P transfers and instant payments via FedNow.

Card Management

Provide your account holders with essential card management functionalities such as activation, replacement, spending limits, PIN changes, card lock/unlock, travel notifications, push provisioning, and digital issuance.

Alerts and Notifications

nFinia empowers banks and credit unions to communicate with their account holders through SMS, push notifications, and email alerts. These include balance changes, transaction activity, personal information updates, service outages, and payment reminders, ensuring users stay informed in real-time.

Dark Mode

Give users more control over their digital banking experience with dark mode. Users can switch to a darker interface for a comfortable, modern viewing experience that adapts to their preferences and viewing environment.

Integration friendly and configuration ready.

A truly open and agnostic approach working with any and all 3rd-party partners. Choose one of our partners, bring your own, or let’s work together to find the right partner for you.

  • API driven
  • 300+ native financial functions
  • 200+ partner integrations
  • Unlimited flexibility with your choice of third-party vendors

Ultramodern architecture and infrastructure for your retail banking account holders.

To keep nFinia at the forefront of innovation, Tyfone leverages a sophisticated, open, and scalable platform, ensuring your retail banking members always benefit from cutting-edge technology.

Live-Live Infrastructure

High-availability Uptime

Uninterrupted & Seamless User Experience

Security built to withstand real attacks, not just pass an audit.

Every digital banking vendor can show you a certificate. Few can show you infrastructure scanned weekly by DHS CISA, encrypted at every layer, and hardened against ransomware by design.

Certified and audited.

SOC 2 Type 2, and PCI-DSS certified , aligned to the NIST Cybersecurity Framework and verified by independent auditors every year.

Encrypted everywhere.

TLS 1.2+ and AES-256 in transit, AES at rest, and PII/PFI tokenized with institution-specific keys before it ever touches a database.

Hardened infrastructure.

DDoS-protected, auto-scaled U.S. cloud infrastructure with weekly DHS CISA vulnerability scans and automatic weekly patching.

Cryptographic Device Authentication – built to stop account takeover.

CDA cryptographically binds every login to a verified device, eliminating shared passwords and secrets that fraudsters can steal or phish. Designed specifically to stop account takeover, one of the costliest fraud threats facing financial institutions.

Key management policy.

Qualified Individual oversight.

Annual 3rd-party audits.

Phishing-trained teams.

Compliance proves you met the standard. Tyfone raises the bar.

Hear from our customers.

Credit Unions and Banks nationwide partner with Tyfone to achieve strategic objectives, retain account holders, acquire new business, and turn their vision into reality.

Check out the videos below – their stories speak volumes about us!

Ready To experience the future of digital banking?

Get a personalized demo of nFinia and discover how it can transform your banking experience. Fill out the form below, and one of our experts will guide you through our platform’s powerful features.

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