We help banks and credit unions grow.

We've signed up millions of customers for hundreds of institutions.

Who We Are

We are a Bottomline Technologies company that simplifies the way banks and credit unions open accounts and generate loan applications - online, out in the community, in branches, and over the phone.

What We Do

Applying for a deposit account or a loan is often the first - and one of the most important - interactions people have with financial institutions.  Yet, most application experiences are fraught with complications that make consumers frustrated, employees inefficient, and cross-selling difficult. That's where we come in.

Our oFlows platform helps you radically simplify the account opening and loan application process so you can make a great first impression with applicants and employees' jobs easier.  

Why We're Different

Our oFlows platform has been proven to dramatically reduce application processing times, increase cross-selling success rates, and improve customer and member satisfaction. In fact, oFlows is so revolutionary that it's been recognized by the financial industry's leading innovators. oFlows received four "Best of Show" awards at Finovate and Andera was named one of the "Top 10 Tech Companies to Watch" by American Banker.

Go with oFlows.  Customers will love you and employees will thank you.

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Trusted by 500+ Banks & Credit Unions

"Online account openers are particularly desirable members because they tend to carry higher deposit balances and to borrow more readily than branch-oriented members."

Katy McCabe
Contact Center Manager, Consumers Credit Union

"Members who join online are 49 percent more profitable than those who enroll through traditional means. They maintain a higher loan-to-share ratio of 467 percent versus the 120 percent of traditional enrollees."

Mary O'Rourke
Chief Information Officer, Randolph Brooks Federal Credit Union

"The best way to differentiate ourselves is through superior customer service. Our choice of Andera enables us to do that, and by eliminating paper from the account opening process, it saves both time for our staff and customers and money for the bank."

Preston L. Kennedy
President and CEO, Bank of Zachary

"We chose Andera because of its adaptability and underlying authentication capabilities. It is just what we were looking for to enable online account opening. The capabilities of oFlows transform a website into a branch location."

Phil Travaglini
CEO, Boeing Helicopters Credit Union

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Contact Us

Let's Talk

Call us or use the form on the right to send us a note.  We'll tell you more about our oFlows platform and how banks and credit unions across the country are using it to simplify the account opening and loan application process.

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About Us