Retail Banking With One Login, Not Ten
One real-time platform for every personal account, card, and product, instead of a different login and a different experience for each.
- One login across personal accounts, business accounts, and credit cards.
- Real-time, two-way core integration: no batch files, no manual reconciliation.
- Fraud detection and cross-sell intelligence built into the same platform.
Request a demo and see how it works on your core, with your data model.
Your core stays the system of record
Linker is a digital banking layer, not a core replacement. A real-time, two-way integration reads and writes to the core you already run, so balances, postings, and customer records stay where your auditors expect them.
No batch files
Balances, transactions, and account status are read live from the core. Customers see the same numbers your bankers see, at the same moment.
No manual reconciliation
Writes go back to the core through the integration layer, so there is no end-of-day file to compare and no operations queue fixing mismatches by hand.
No rip-and-replace
Your core configuration, product setup, and general ledger stay as they are. Linker connects to them rather than asking you to migrate off them.
What your retail customers get
Three capabilities that ship together in one platform, not as separate products stitched behind separate logins.
Unified experience
One login connects personal accounts, business accounts, and credit cards. No separate portals, no second password, no explaining to a customer which site holds which product.
Fraud protection built in
Liveness detection, deepfake detection, and device fingerprinting run automatically during onboarding and login, without an extra vendor console for your team to watch.
Smarter cross-sell
An AI layer identifies which customers hold their primary relationship elsewhere, surfacing real opportunities to your bankers instead of generic offers to everyone.
How a rollout runs
Four steps, in order. Each one is scoped in a working session with your team before it starts.
- Step 01
Discovery call
We walk your current retail stack, your core setup, and the products your customers actually use, then agree on scope.
- Step 02
Connect middleware to your core
The integration layer is configured against your core for real-time, two-way reads and writes, in a sandbox first.
- Step 03
Launch retail account opening and digital banking
Bank-branded account opening and the unified retail experience go live together, so new customers land in one place.
- Step 04
Add cross-sell and analytics on top
Relationship intelligence and reporting layer on afterwards, without re-touching core configuration.
What the platform gives you on day one
Questions retail teams ask us
Is the data real-time, or is it a batch sync?
Real-time. The integration layer calls your core directly for balances, transactions, and account status, and writes back the same way. There is no nightly file and no reconciliation window where the customer view and the core disagree.
How long does implementation take?
It depends on your core and the scope you start with. Talk to us for a timeline specific to your core, and we will size it against your actual product set rather than a generic project plan.
Who owns the data, and is it duplicated?
The bank owns its data, and the core remains the system of record. Linker holds only the operational data needed to run the digital experience, such as session, profile, and application state, rather than maintaining a parallel copy of your ledger.
How is compliance handled?
Linker is SOC 2 and PCI compliant. Identity, KYC, and fraud checks run inside the onboarding and login flows, decisions and overrides are logged, and records are retained and exportable for audit and examination.
What happens to our current digital banking platform during the transition?
It keeps running. Linker launches alongside it, and customers move over as products go live, so there is no cutover weekend where the bank has no digital channel. You decommission the old platform when you are ready, on your contract terms.
Ready to see
it work?
30 minutes with the team that builds it. We map your retail products against your core, and show what one login looks like for your customers.