The Challenge
Canadian financial institutions are modernizing on several fronts at once. Consumer-driven banking is opening consent-based data sharing, real-time payments are raising expectations for speed, and digital entrants are bringing products to market in a fraction of the time an established institution requires.
The product rules behind those experiences have not kept pace. Pricing sits in one system, eligibility logic in another, disclosures in a document library, and the French version of each customer communication in its own review cycle. A single rate change touches all of them, and every channel is updated separately. The limit on how much variation an institution can introduce comes less from strategy and more from the coordination required to keep every version consistent.
How Naehas Solves It
Naehas connects products, pricing rules, eligibility criteria, offers, disclosures, and fulfillment records in a single, governed environment. Change any one of them and the platform shows what else is affected, routes the change through the approvals required by institutional policy, and retains the version history.
Eligibility, pricing, and benefits draw on relationship data already held in the core, and product variations are configured rather than built from the ground up each time. Compliance reviews terms, creative, and disclosures in the same platform where the offer was created, against the version that will reach the customer.
75%
Offer cycle reduction time across multiple financial institutions
79%
Credit card campaign cycle reduction at a Tier 1 institution
$1.8B+
Deposits generated in the first 10 months at a leading financial institution
$100M
New deposits generated within six weeks of a national checking offer launch
Why Canadian Financial Institutions Choose Naehas
Personalized Offers
Turn richer customer and relationship data into relevant offers while maintaining control over eligibility, terms, disclosures, approvals, and fulfillment. As consumer-driven banking expands access to financial data, institutions need the ability to turn that data into governed customer experiences rather than simply collect more information.
Speed to Market
Dynamic Pricing
Cross-Product Rewards
Streamlined Compliance
Keep product terms, disclosures, approvals, eligibility rules, versions, and supporting decisions connected as products and offers change. This provides greater visibility into what was approved and what was delivered, as institutions operate under Canada’s consumer protection expectations. The federal Financial Consumer Protection Framework includes requirements concerning disclosures and appropriate products and services for banks, authorized foreign banks, and federal credit unions.
Core/Channel Modernization
Add new product, pricing, and offer capabilities within established systems instead of forcing every change through a major core transformation. Naehas provides a governed execution layer that can support modernization across digital, branch, contact centre, and other channels while existing systems continue to perform their core functions.
Turn richer customer and relationship data into relevant offers while maintaining control over eligibility, terms, disclosures, approvals, and fulfillment. As consumer-driven banking expands access to financial data, institutions need the ability to turn that data into governed customer experiences rather than simply collect more information.
Keep product terms, disclosures, approvals, eligibility rules, versions, and supporting decisions connected as products and offers change. This provides greater visibility into what was approved and what was delivered, as institutions operate under Canada’s consumer protection expectations. The federal Financial Consumer Protection Framework includes requirements concerning disclosures and appropriate products and services for banks, authorized foreign banks, and federal credit unions.
Add new product, pricing, and offer capabilities within established systems instead of forcing every change through a major core transformation. Naehas provides a governed execution layer that can support modernization across digital, branch, contact centre, and other channels while existing systems continue to perform their core functions.
Marketing
Product
Customer Engagement
Turn a broader view of the customer relationship into better decisions about what to offer next. Naehas connects product holdings, balances, behaviours, and other approved attributes to pricing, rewards, and offers so institutions can compete for a greater share of the customer relationship as financial choice expands.
Compliance
Manage increasing product and offer variation without losing visibility into what customers receive. Naehas connects disclosures, creative review, eligibility, approvals, versions, and audit history to the products and offers they govern, helping teams maintain control as digital experiences and regulatory requirements evolve.
Canadian Financial Institutions: Frequently Asked Questions
What does consumer-driven banking change for product and offer teams?
The framework governs how customer-authorized data moves between accredited participants under Bank of Canada oversight. It does not address what an institution does with that data once it arrives. The work of turning a customer attribute into an offer with defensible eligibility rules, correct terms, attached disclosures, and a tracked fulfillment record sits entirely with the institution, and most are managing it through the same manual coordination they used before. Naehas governs that layer, so wider data access produces more relevant offers rather than more unmanaged variation.
How do we personalize products while meeting appropriateness expectations?
Under the Financial Consumer Protection Framework, federally regulated institutions must have processes designed to ensure the products and services they offer or sell are appropriate for the customer. Naehas gives teams one place to define eligibility rules, product terms, pricing, and the disclosures attached to each, while retaining approval and version history. As personalization becomes more granular, the evidence that each variation was reviewed and approved stays with the offer itself.
What does the Real-Time Rail mean for product and offer management?
The Real-Time Rail will bring instant, data-rich payments to Canada, operating 24/7, with institutions gaining access in phases. As payments move faster, the systems and processes around them will face greater pressure to keep up. A financial institution that can move money in seconds should not need 120 days to move a product or offer change to market. Naehas reduces the surrounding cycle by connecting product, pricing, eligibility, disclosures, and communications into a single governed process.
Can we modernize product and pricing capabilities without replacing our core?
Yes. Naehas manages product definitions, pricing, eligibility, offers, and disclosures above the systems of record and distributes those decisions to digital, branch, and contact centres. The core continues to do what it does today. Institutions gain product and pricing flexibility on a timeline measured in quarters, not multi-year transformation programs.
How do we keep product, pricing, and disclosures consistent across channels?
Definitions are governed centrally and distributed outward. The inconsistency that appears when the same change is recreated independently in three systems does not arise because there is a single source for the rule and a single record of its approval.
