Banking that guides, not just responds
Move beyond digital access. Votiv brings everyday bankingand timely guidance into one connected experience, so customers and members actwith confidence and every interaction deepens the relationship.
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Every interaction, guided by intelligence
People expect banking to feel immediate, intuitive, and relevant. Candescent reduces friction across everyday tasks while surfacing timely guidance, relevant prompts, and self-service tools that strengthen engagement and trust.
Guidance in the flow
Surface what matters in the moment and guide the next step
Self-service without dead ends
Let customers resolve issues quickly without needing support
Security without false positives
Protect customers while minimizing unnecessary friction
Built for everyday use
Experiences designed around real behaviors, not feature lists
Designed to guide
everyday decisions
Turn everyday interactions into guided experiences that help people take action, stay in control, and make better financial decisions
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Designed to guide
everyday decisions
Turn everyday interactions into guided experiences that help people take action, stay in control, and make better financial decisions
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Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
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- Vestibulum auctor dapibus neque.
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Friction‑free onboarding
Open accounts in minutes with streamlined steps, document capture, and embedded fraud checks.
Move money with confidence
Payments, transfers, and P2P with clear context, limits, and real-time feedback
Control and confidence, in every moment
Real-time controls, alerts, disputes, and account management tools that put people in charge
Guidance people act on
Turn financial data into relevant insights, nudges, and progress people can see and feel
Protection without the friction
Adaptive authentication, device intelligence, and risk-based controls that reduce false positives while keeping people safe.
Turn everyday engagement into deeper relationships
Acquire and activate faster
Turn onboarding into a strong first experience
Reduce support demand
Resolve issues earlier with better self-service
Grow primacy and balances
Relevant prompts drive product adoption and everyday use without the noise.
Outcomes your board will notice
Increase in digital sales with account opening in minutes
Fewer manual reviews with automated onboarding and fraud checks
Higher engagement, driving increased adoption and wallet share
The industry is taking notice
Candescent named a leader in the IDC MarketScape
North America Retail Digital Banking Solutions 2025–2026 Vendor Assessment
Candescent was named a SPARK Leader and the only Emerging Innovator in the QKS Group SPARK Matrix™
Digital Banking Platform, 2026
Candescent is the Best Digital Banking System for Community Banks/Credit Unions
According to 2026 Banking Tech Awards USA
Turning guidance into loyalty
See how Meriwest Credit Union turned everyday interactions into stronger member engagement and retention.
Meet Votiv for
Consumer Banking
Build and extend
with confidence
Forge gives your technology team a platform to build on, notonly integrate with. Prebuilt integrations, APIs and developer tools connectcore, payments, fraud and identity, so you can launch custom experiencesfaster.
Connect your ecosystem
Integrate seamlessly with your core, card processors, and payment networks
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Streamline onboarding and verification
Built-in capabilities for document capture, risk scoring, and real-time checks
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Operate with confidence
Enterprise-grade security, compliance, and controls built into every interaction
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Open by design, secure by default
Connect Consumer Banking with other parts of our Intelligent Banking Platform to amplify value across the relationship.
Provide seamless digital, branch, and call‑center onboarding with one unified platform that increases conversion and deepens relationships.
Run business banking as an operating platform. Connect cash flow, payments, and servicing to better understand, support, and grow complex relationships.
Extend human support across every channel, connecting customers and members to bankers seamlessly within the flow of the experience.
Explore Consumer Banking
Certified for what’s next: Candescent achieves rigorous Corelation Keystone KeyBridge certification
Rigorous technical evaluation validates the performance, security, reliability and extensibility of Candescent's Intelligent Banking platform to accelerate future innovation for credit unions
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Why the biggest names in banking technology are buying trust
The billion-dollar acquisitions reshaping fraud prevention, identity and cybersecurity
Built together: the partnership behind successful Terafina implementations
How shared ownership, open communication and deep expertise turn implementation into transformation
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Turning clicks into customers: why embedded account opening is the foundation of intelligent banking
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Intelligent Banking starts with better outcomes
The feature war is over. What comes next is Intelligent Banking.
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.
Beyond digital: Defining the era of Intelligent Banking
Candescent 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.
Candescent and Greenlight Partner to Build the Next Generation of Financially Empowered Families
From Gig to Growth: Rethinking How Banks Serve Small Businesses
Banks that go beyond the basics to serve small businesses can build deeper relationships and unlock long-term loyalty and revenue.
Instant payments at a tipping point. Marica Klingensmith on RTP send adoption, modernization, and B2B payments
Instant payments are reshaping how banks and credit unions serve customers and members, but adoption is only the beginning.
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.
Candescent Positioned as a SPARK Leader in the QKS Group SPARK Matrix™: Digital Banking Platform, 2026
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From legacy integration to growth engine
How a multi-billion-dollar regional bank turned nearly ten years of Terafina history into a modern, connected account-opening channel — and a real driver of growth.
Seamless openings, Exceptional experiences
Citadel’s leadership taps Candescent for digital account opening solution to support the credit union’s growth ambitions.
FAQs
Clear answers to the most common questions banks and credit unions ask when evaluating Consumer Banking products, from implementation and integrations to flexibility, security, and time-to-value.
Votiv for Consumer Banking is the experience layer of the Candescent Intelligent Banking Platform. It brings contextual summaries, actionable insights and proactive intelligence into the digital banking experience, helping customers and members understand what matters, know what todo next and act when it counts.
Consumer banking, sometimes called retail banking, includes the digital and assisted experiences individuals use to manage their finances, from checking balances and moving money to managing cards, alerts, and financial goals.
Candescent Consumer Banking is our digital banking platform for consumers, delivering modern, connected experiences across mobile, web, and assisted channels. It brings together everyday transactions, insights, and engagement into a single, seamless experience designed to increase usage, satisfaction, and loyalty.
Candescent Consumer Banking builds on the foundation of Digital Insight and takes it further. It reflects the evolution from traditional digital banking to more connected, intelligent experiences that drive deeper engagement and better outcomes.
Yes. Candescent Consumer Banking brings together capabilities from both Digital Insight and D3, combining proven experience with flexibility and extensibility. Institutions are fully supported while the platform continues to advance as a unified, modern architecture.
Traditional digital banking focuses on access and transactions. Today, that is table stakes. Candescent Consumer Banking builds on that foundation with intelligence, using data, context, and real-time insight to make every interaction more relevant, guided, and useful. The result is banking that does more than respond. It helps customers and members take theright next step.
No. Candescent Consumer Banking integrates with leading core systems and providers, allowing institutions to phase capabilities in over time without replacing existing infrastructure.
Every interaction is an opportunity to deepen the relationship. By making experiences more intuitive, relevant, and engaging, institutions can increase usage, improve satisfaction, and grow wallet share over time. Stronger engagement leads directly to higher retention and long-term value.
Candescent reduces friction across everyday interactions, from onboarding and navigation to payments and account management. By simplifying workflows and delivering a more intuitive experience, it helps customers accomplish tasks faster and with greater confidence.