Start faster.
Grow smarter.
Accelerate account opening across every channel—digital, branch, and call center—while increasing conversion and driving smarter growth from day one.
Reduce friction from start to submission
Terafina eliminates the common onboarding obstacles seen across the industry while flexing to resolve the unique challenges that define every bank and credit union. The result: higher acquisition, stronger conversion, better efficiency, and deeper engagement.
Omnichannel account opening – powered by one unified platform
Terafina delivers a continuous experience across channels while bridging the full landscape of systems—consumer, business, deposits, lending, and mortgage. The result: one seamless onboarding flow everywhere.
Higher completion rates, faster acquisition
Terafina pairs customer-friendly workflows with the operational rigor needed to reduce abandonment and accelerate decisions, leading to higher conversion of applications and more fully funded accounts across consumer and business onboarding.
Reduced operational cost and lift
Manual reviews, rework, and post-account maintenance slow team productivity. Terafina replaces fragmented processes and brings multiple applicants, signers, and beneficiaries into the in-app onboarding workflow that reduces staff effort to improve efficiency.
Fewer gaps through deep integration
Siloes, missed cross-sell opportunities, and inefficient pre-onboarding tools create friction for customers and back-office employees. Terafina eliminates these gaps through 110+ pre-built API connectors, smart product recommendations, and a collaboration portal for document exchange – ensuring every application is enriched, completed, and actionable, end to end.
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Zero-friction Account Opening, end-to-end
Future-proof your institution with an extensible, API-first account opening platform that grows with you, bringing customers in faster and keeping them engaged long after their account is opened.
One application. Every channel
Terafina maintains a single application state that moves seamlessly across digital, branch, and call center channels. Customer data, progress, and context persist automatically, allowing applications to start, pause, and resume without duplication or restarts.
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Reduce friction from start to submission
Account opening follows a structured, mobile-first flow with embedded identity verification, KYC, disclosures, and validation. Each step is designed to reduce errors and keep applicants moving forward while supporting compliance.
Seamless document handling
Applicants upload required documents directly within the application experience. Bankers and back-office teams review, resolve issues, and communicate in the same workflow, reducing manual follow-ups and operational handoffs.
Move faster with no-code workflows
Products, disclosures, routing logic, and reporting are managed through no-code configuration tools. Institutions can adapt processes quickly to regulatory changes, new offerings, or operational needs without vendor dependency.
Built for how financial institutions actually grow
Modernize opening without disruption
Community banks replace manual, paper-heavy onboarding with a streamlined, omnichannel experience that works with existing systems. Terafina makes it easy to configure workflows, stay compliant, and preserve the relationship-first experience.
Increase conversion. Deepen relationships.
Credit unions turn account opening into a connected onboarding journey that extends beyond funding. Built-in collaboration, simplified membership eligibility screening, and abandoned application recovery help grow accounts and strengthen member engagement.
Scale acquisition across every channel
Regional banks use Terafina to grow and expand relationships across consumer and business product types and across deposit, personal loan, and mortgage account types. Terafina unifies multi-core environments, making bank acquisition integrations frictionless, so banks can onboard across entities from day one.
Proven results seen across institutions
Increase in deposit growth driven by streamlined, omnichannel experiences.
Faster time to go live by replacing custom builds with configurable, no-code workflows.
Reduction in branch account-opening time through guided, in-flow digital onboarding tools.
Turning guidance into loyalty
With Candescent’s digital banking platform, everyday interactions became more relevant, leading to stronger engagement and retention from their members.
See how Terafina simplifies Account Opening
Integration architecture & system connectivity
1210+ API-based integrations connect Terafina to cores, LOS platforms, identity services, and downstream systems without requiring rip-and-replace.
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Integration architecture & system connectivity
Secure, API-based integrations connect Terafina to cores, LOS platforms, identity services, and downstream systems without requiring rip-and-replace.
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Delivery model & implementation phases
Our philosophy on agility and true partnership in combination with deep tested implementation and innovation best practices enables seamless go-lives and an account opening platform that scales with your institution.
Data flow, environments & security controls
Terafina abstracts intricate operational logic and system connections, leaving only a simple, seamless UI for customers and back-office to interact with.
Expand upon the account opening ecosystem with Candescent
Explore the products institutions like yours turn to as they expand on the entire Candescent platform
Run business banking as an operating platform. Connect cash flow, payments, and servicing to better understand, support, and grow complex relationships.
Turn everyday activity into insight, guidance, and action, delivering more relevant experiences in the moments that matter.
Extend human support across every channel, connecting customers and members to bankers seamlessly within the flow of the experience.
Explore Account Opening
Beyond Digital: Defining the Era of Intelligent Banking
Tansill explores the transition from the "Era of Access" to the "Era of Intelligence," highlighting how financial institutions must move beyond simple transactions to provide deeply personalized, proactive experiences.
One journey, not two: why connected lending matters now
For banks and credit unions, the gap between account opening and loan origination is where member relationships are won or lost …and most institutions are still leaving that moment to chance.
From Agentic AI to extensibility, FinTech's approaching horizon
Starting with 2020 and the pandemic, fintech has run at blazing speed. Today it's adopted large language models; tomorrow the explosive power of quantum computing.
FAQs
Clear answers to the most common questions banks and credit unions ask when evaluating Terafina, from implementation and integrations to flexibility, security, and time to value.
Candescent’s account opening solution, Terafina, is implemented through a phased approach that includes configuration, integration, testing, and go-live. Timelines vary based on scope and complexity. With pre-built connectors and configurable workflows, institutions can launch faster and avoid long custom development cycles.
Candescent supports a wide range of consumer and business account types, including checking, savings, and more complex business onboarding scenarios. The platform is flexible and configurable, allowing institutions to support different products and use cases without separate systems.
Candescent integrates with core systems, digital banking platforms, fraud and compliance providers, and third-party fintechs through pre-built APIs and connectors. It is designed to fit into existing ecosystems while simplifying the onboarding experience.
Account opening is built with security and compliance at its core, including support for KYC/KYB, auditability, role-based access, and data protection. It helps institutions meet regulatory requirements while maintaining a smooth user experience.
No. Candescent account opening can be implemented independently and integrated with your existing core and digital banking systems. Many institutions start with account opening and expand over time, connecting additional capabilities as needed.
Account opening is the front door to your institution. A seamless experience increases conversion, accelerates funding, and drives early engagement. Even small improvements in completion rates and speed can have a meaningful impact on deposit growth and long-term customer value.
Many onboarding processes are fragmented across systems, requiring redundant data entry and manual steps. This creates friction for users and slows down internal teams. A more connected approach reduces complexity, improves speed, and delivers a better experience.
Terafina reduces friction across the journey, from pre-fill and identity verification to decisioning and funding. By simplifying workflows and guiding users clearly, institutions see higher completion rates and fewer abandoned applications.