FINTECH ROADMAP · STEP 02 SOLUTION

Connected banking across every touchpoint.

ENGAGE unifies digital banking, kiosk banking and digital wallet experiences for traditional financial institutions.

Digital. In person. In motion.

A customer completing a transaction at a self-service banking kiosk in a modern branch.
Caribbean financial-services leaders planning a connected service implementation

What the engagement covers

From channel priorities to connected delivery.

  • The customer journey across app, wallet, branch and merchant touchpoints
  • Online banking, kiosk banking and digital wallet priorities
  • Authentication, verification, access control and auditability
  • Continuity with the institution’s existing core and obligations

One connected ecosystem

Three surfaces. One customer record.

Online Banking

Everyday banking on the member's own device.

  • Membership and loan applications
  • Balances, statements and transactions
  • Payments, transfers and saved payees
  • Cheque and letter requests
  • Profile and document management
  • Liveness check and facial verification

Kiosk Banking

Over-the-counter and self-service in branch.

  • Cash withdrawals and deposits
  • Cheque deposits and collection
  • Letter collection
  • Self-service registration
  • Facial authentication
  • Balances, payments and transfers

Digital Wallet

Payments and value movement beyond the account.

  • Registration, identity and KYC
  • Cash-in and cash-out
  • P2P, QR, bill and service payments
  • Merchant payments and cards
  • Disputes, refunds and support
  • Financial management tools

What it is

ENGAGE is an online banking, kiosk banking and digital wallet platform for credit unions, built to digitally transform the member experience.

Who it’s for

Credit unions in Trinidad and Tobago and the wider Caribbean, including Barbados, Guyana, Grenada, Jamaica and The Bahamas.

The problems it addresses

Three pressures on credit unions today

Competition and digital disruption

Banks, fintechs and wallet providers are setting the service expectations members now bring to the credit union.

Operational resilience and continuity

Service that depends on one branch, one counter or one manual process is difficult to keep available.

Reputation and member trust

Slow requests, repeated information and unclear status quietly erode confidence in the institution.

HOW IT HELPS

What ENGAGE changes in practice

Connected digital service

A request started on a phone can be continued at a kiosk or with an officer without the member starting again.

Enterprise, cloud-first architecture

Designed so channels, records and administration scale together rather than as separate systems.

Secure, battle-tested software

Authentication, verification, access control and audit trails are part of the platform, not additions to it.

A customer paying a local merchant with a mobile digital wallet.

Built around real banking journeys

App, wallet, branch and merchant working as one system.

A customer who starts a request on their phone should be able to finish it at a kiosk or with an officer without repeating themselves. ENGAGE is designed around that continuity rather than around individual channels.

A customer reviewing her accounts on a banking app at home

App

Accounts, transfers, loans and requests handled without a branch visit.

A customer paying with a digital wallet at a local food counter

Wallet

Payments, transfers and rewards for customers moving value daily.

A branch officer assisting a member at a self-service banking kiosk

Branch

Kiosks absorb routine volume so officers handle the consequential work.

A shop owner accepting a phone payment from a customer at the counter

Merchant

Merchant payments close the loop between customer, business and institution.

Capabilities

What each surface actually does

Online Banking

A Caribbean customer using online banking on a mobile device

Member features

Membership & Loan Applications
Balances & Statements
Transactions
Payments
Cheque & Letter Requests
Transfers & Scheduled Transfers
Saved Payees
Profile Management
ID & Document Processing
Liveness Check & Facial Verification
Caribbean banking administrators reviewing service operations together

Administrative features

User Management
Group Management
Payment Frequencies
Scheduled Transfers
Allow List
Banks
Offices
Online Banking Signups
Membership & Loan Applications
System Configuration & Event Log

Kiosk Banking

A branch officer supporting a customer at a banking kiosk

Over-the-counter features

Withdraw Cash
Deposit Cash
Deposit Cheque
Collect Cheque
Collect Letter
A customer completing a self-service transaction in a modern branch

Self-service features

Self-Service Registration
Facial Authentication
Balances
Statements
Transactions
Bill Payments
Letter & Cheque Requests
Transfers
Scheduled Transfers
Profile Management

Digital Wallet

A Caribbean customer completing a digital wallet payment

Customer features

Account and Registration
Identity and KYC
Authentication & Security
Wallet
Cash-In & Cash-Out
P2P, QR, Bill & Service Payments
Merchant Payments
Cards
Contacts & Social Payments
Customer Support
Disputes & Refunds
Financial Management
Profile & Preferences
Caribbean financial-services professionals reviewing wallet administration

Administrative features

Administration Dashboard
Customer Management
KYC Administration
AML/CFT
Fraud Management
Wallet Management
Transaction Management
Financial Ledger
Payment Gateway Management
Bank & Settlement Management
Reconciliation
Merchant Administration
Fees & Pricing
Limits & Controls
Notifications & Communications
Reporting & Analytics
Regulatory Compliance
Administration & Access Control
System Configuration
Audit & Security
API & Integration Management
Infrastructure Operations

Five principles

What ENGAGE is designed to be.

Trustworthy

Security, governance and auditability are designed in, not bolted on.

Responsive

Members get an answer or an action in the moment they ask for it.

Human

Self-service hands off to a person when the situation calls for one.

Premium

Interfaces that feel considered, so the institution feels credible.

Scalable

New products and channels are added without rebuilding the platform.

Who it is for

Credit unions across the Caribbean.

ENGAGE is built for credit unions in Trinidad and Tobago and the wider Caribbean, with existing members, existing obligations and an existing core to work with.

Trinidad and TobagoBarbadosGuyanaGrenadaJamaicaThe Bahamas

Related RLG solutions

Continue along the fintech transformation roadmap.

Modernize the customer experience.

Tell us what your members and customers struggle with today. We will show you what ENGAGE would change first.