Incuto is a socially profitable technology partner for credit unions and community banks. They provide state-of-the-art technology, supporting credit unions to reduce costs, be digital, offer more and go faster. The incuto platform allows credit unions to offer banking services, including an on-balance-sheet debit card, a bank account, and a sort code. The platform also enables credit unions to compete with high-cost, short-term "payday" lenders, being accessible 24*7 on any device, with loans completed in less than 5 minutes.