Reduce back-office spend, free staff capacity, and stay audit-ready — without ripping and replacing.
True digital transformation starts where budgets, policies, and people intersect.
Built by and for credit unions and community banks.
One enforcement engine across intake-to-payment: Control Before Commit, Recovery After, and Audit-Ready by Design.
Budget, policy, and approvals enforced pre-PO across any ERP/GL/core — stop leakage early without process drag.
AI flags duplicates, overbilling, vendor drift — and drives autonomous recovery to measurable dollars.
Immutable evidence packs in minutes, with in-flow exception handling and full traceability.
A back-of-the-envelope calculator to gauge savings and capacity. Adjust assumptions to match your institution.
Spend Recovery: —
Capacity Value (Labor Saved): —
Total Impact: —
Directional only — validate with a Visibility Audit using your live data.
For credit unions and community banks relying primarily on spreadsheets and approved vendor lists—with limited real-time enforcement—adopting a managed spend platform often delivers up to 20% overall spend reduction simply by curbing unmonitored/maverick purchases. This behavioral enforcement effect is one of the fastest ROI drivers for institutions starting from low procurement maturity.
The 18–22% recoverable leakage is the average opportunity from enforcement gaps across these categories:
| Impact Area | Potential Savings | Description |
|---|---|---|
| Total Sourcing | 10–15% | Consolidating vendors & enforcing negotiated rates |
| Non-Interest Expense | >15% | Reducing administrative waste & subscription sprawl |
| Process Efficiency | 20–50% | Automation of POs, Invoices, Allocations, Payments, Audits & Warranty/Compliance |
| Direct Vendor Costs | 3–5% | Inventory and demand optimization |
| Managed Platform Adoption | Up to 20% | Reducing unmonitored/maverick spend for organizations moving from manual processes to a managed requisition platform (Gartner, Hackett Group, McKinsey) |
Sources: McKinsey & Company, BCG, The Hackett Group, Gartner (2018–2025)