The Cowally platform
Everything a financial product runs on, in one platform.
Customer apps, a back office for every team, core banking and ready-made integrations, built to work together and to work on their own. AI for financial services runs across all of them, turned on where it pays off.
Follow one loan through the platform
Six stops, four parts, one set of data.
01Customer apps
The request
Laura asks for a loan in your app, on your website or over WhatsApp.
02Integrations
The checks
Her identity is verified, restricted lists are checked and her credit history is consulted, through connections that are already built.
03Back office
The decision
The application reaches your credit team with your approval rules already applied and a scoring suggestion from AI. Above a set amount, a second person approves.
04Core banking
The loan is created
Her loan, payment schedule and balance are recorded in real time.
05Integrations
The payout
The money reaches her account through instant payments.
06Back office
Every payment after
Each repayment is reconciled, the accounting entries are recorded, and the loan appears in the reports to the regulator and credit bureaus.
Five parts, each one ready on its own
Customer apps
A mobile app, a website that informs and lets customers operate, and WhatsApp, all under your brand. Customers open products, pay, transfer, see their movements and get help at any hour.
Back office
Seven areas where your teams work: loans and collections, treasury and payments, risk and provisions, savings, accounting, reports to regulators, and configuration and access. Each team sees only what its permissions allow.
Core banking
Keeps customers, products, the loan book, rules and risk, and accounting as separate modules, each updated, switched off or replaced without stopping the rest.
Integrations
Instant payments, bank transfers, QR, identity and biometric checks, restricted-list checks, fraud checks, e-signature and messaging, already connected. New providers plug in without touching the core.
AI for financial services
Help for customers, scoring support for credit, collection priorities and reconciliation for operations, and unusual-operation alerts for compliance. Turned on where it pays off.
Take it all, or start with one part
Every part is independent, so you don't have to adopt everything at once. Start with one customer app, one product or one process, keep what already works for you, and add the rest when it makes sense.
Common first steps
- A new customer app on top of the systems you already run.
- Loan applications and approvals only, connected to your current core.
- Core banking with your first one or two products, and the back office to run them.
Built into every part, not added later
Under your brand
Every customer app carries your logo, colours and name.
Two-person approval
Sensitive changes need a second person's approval before they go live.
A full audit trail
Every change and transaction is recorded: who, what and when.
One set of data, in real time
Every part works from the same data, so no team keeps its own version.
Security
Access by role, separated duties, hardened systems and regular ethical-hacking tests.
Availability
A 99.5% uptime commitment, monitoring of every transaction, and no single point of failure.
Your choice of hosting
Hosted by us, or installed on your own servers.
AI on demand
Turned on per client and billed by use.
Questions about the platform
No. Each part works on its own; start with one and add the rest when it makes sense.
Yes. It can run alongside your current core and take on new products first, or it can be your core.
Yes, through documented APIs, plus connections already built for payments, identity checks, credit bureaus, e-signature and messaging.
Cowally is live with institutions in the United States, Colombia, Guatemala, Mexico and Panama. Colombian regulatory reports are built in; other countries' requirements are set up during implementation.
Either. Hosted by us includes updates (regulatory ones too), monitoring, support and disaster recovery. On your servers, you get licensed modules, documentation and support according to your plan.
AI services are switched on per client and billed by use.
See the parts you need, running your products
In one session we'll show the parts that fit your plans, running a product like yours, and how they connect to the systems you already have.