Vikar - Unified Platform for Deposits, Lending, Treasury and Wealth
From account opening to lending to treasury and wealth management, Vikar's unified platform powers the complete client/member lifecycle for community banks and credit unions. Vikar's AI-powered solution delivers a superior banker and customer experience by automating onboarding, KYC/KYB, underwriting, maintenance and reviews seamlessly integrated with Fiserv.
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One Platform. Every Product. Fully Automated
One platform for deposits and lending, fully integrated from application to core boarding. Automate onboarding, decisioning, documentation and funding across all product lines for a faster, more efficient, and seamless experience for employees and members alike.
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Account Opening in Minutes
Online self-serve and joint experiences for consumer and SMB account opening & lending on one platform. Customers complete applications independently or with guided banker support, or a mix of both keeping your institution in control at every step.
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Complex Made Effortless, Start to Finish
Employee-directed white-glove service for complex accounts-corporations, trusts, estates, and layered ownership handled in a single guided workflow. No repetitive data entry or switching. One application manages all entities, accounts, and relationships at once.
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Compliant, Fast, and Friction-Free Onboarding
Integrated KYC/KYB verification and fraud detection accelerate processing with intelligent data retrieval across all product lines. Faster approvals mean better compliance and a smoother experience for both clients and staff from day one.
Features and Benefits of Vikar
- Unified Account Opening and Lending Platform
Vikar is the unified platform for deposits and lending built for every customer type, from consumers to SMB and complex commercial entities. Onboard, maintain, review, and cross-sell without switching systems. Faster. Leaner. Seamless. - Seamless, Streamlined Onboarding & KYC/KYB
Automate customer and business verification with integrated fraud checks, KYC/KYB, reducing friction, eliminating silos, and reducing redundant checks across business lines. Faster approvals mean better compliance and a smoother experience for both clients and staff. - Omni-Channel with Online and Bank-Directed Account Opening
Meet customers wherever they are: online, in-branch, or banker-assisted, across every line of business. Vikar delivers a consistent omnichannel experience with self-service capabilities for customers and cross-sell opportunities for institutions. - Support for Complex Organizational Structures
Simplify multi-entity corporations and layered ownership structures with a single, unified application that manages multiple accounts without repetitive data entry. - Automated Underwriting & Decisions
Speed up lending decisions with automated underwriting tools that handle spreading, scoring, and covenant tracking. This reduces manual workload and accelerates funding. - Centralized Client Data Management
Maintain a single source of truth across accounts, loans, and business lines. Centralized client data reduces errors, strengthens compliance, and improves visibility into every customer relationship. - Real-Time Risk & BSA Monitoring
Detect and mitigate risks as they occur. Vikar provides real-time risk monitoring and BSA/AML oversight to protect institutions from exposure and ensure regulatory compliance. - Configurable Workflows & Approvals
Adapt the platform to your institution's unique processes with flexible, bank-directed workflows. Configure approval chains, routing, and checkpoints without costly custom development. - Full Reporting & Audit Logs
Gain transparency and accountability with comprehensive reporting and audit logs. From compliance reviews to performance dashboards, institutions have complete visibility at every step.
HOW IT WORKS:
- Native Fiserv core integration. Vikar connects directly to your Fiserv core for real-time data exchange, including customer and relationship setup, account boarding, and file transfers, with no custom middleware required.
- Fast, guided onboarding. Vikar's implementation team will work directly with your institution and Fiserv to integrate with your hosted or on-premise core installation.
- Configure to your institution. Use our out-of-the-box modules or configure our modules to match your workflows, decisioning criteria, product rules, and branding to meet your institution's specific needs.
- Go live in as little as 60 days. Vikar's dedicated implementation and professional services team provides white-glove service that guides you through deployment, testing, and launch quickly and without disruption.
- Ongoing optimization. Post go-live, Vikar stays with you. Our success team drives continuous improvement across deposit, lending, and treasury journeys backed by real-time data and a shared commitment to your growth.
WHY VIKAR
- The only truly unified platform. Vikar is the only solution where customers, lenders, branch managers, underwriters, KYC analysts, and operations teams collaborate from a single interface, across loans, deposits, treasury, and wealth management — at the same time.
- AI-powered from day one. Vikar's AI add-on enables banks to incorporate AI at their pace. Automated identity verification, document classification, financial spreading, and credit memo generation reduce manual work at every step and enable straight-through processing from application to core boarding.
- Compliance built in, not bolted on. KYC/KYB, risk rating, BSA/AML monitoring, HMDA, CRA, and 1071 reporting are embedded natively in every workflow — not layered on top as separate tools.
- Flexible service models. Support self-service, banker-directed, and joint service models in the same platform, serving individual consumers, small businesses, and complex commercial clients without switching systems.
- Configurable without custom development. Update product rules, workflows, decisioning logic, and approval chains independently — without signing an SOW or waiting on a vendor.
- Implementation with Vikar. With Vikar, banks get a partner, not just a vendor. We own every implementation end-to-end, bringing proven best practices and deep industry expertise to the table so your team stays focused on outcomes and not on managing the process.
- Proven results. 9x faster account onboarding, 3x faster compliance review cycles. 7x improvement in risk analysis and data quality efficiency.
- Version
- 2026.3
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