Turn the $150Bn Cross-Border Payments Market Into Your Growth Engine
Cliqa Digital allows your credit union to operate like a modern, globally connected financial institution and creates a new, scalable source of non-interest revenue. Through a single secure API, you gain immediate access to a marketplace of 400+ international service providers.
We transform payments for international services into the data intelligence you need to grow your lending portfolio.
Built by Experts in Design. Trusted by Partners.
The Problem
Your Members Are Spending $1,500+ Annually in the “Bodega Economy.”
Every day, potential members are forced to use predatory, high-fee alternative financial services (AFS). This erodes their wealth, breaks their trust, and creates an opportunity. The opportunity to fulfill your mission and become the true financial center for the under-banked community.
Adopting members show 3.2x higher retention.
The Adoption Barrier
We eliminate the guesswork of member adoption. By designing hyper-intuitive, frictionless digital experiences, we ensure your technology feels as familiar as a favorite app. Instead of members needing to learn new behavior, we meet them where they already are, driving up activation rates.
Total Financial Blindness
We replace financial fog with total transparency. Our solutions empower your members with a real-time, holistic view of their financial lives. By turning abstract data into actionable insights, we help your members see a complete picture: fostering trust, reducing anxiety, and positioning your CU as their primary financial partner.
The Integration Black Hole
Cliqa bridges the “black hole” between your core processor and digital touchpoints, creating a single source of truth. This means no more data silos, no more manual reconciliation—just a seamless flow of information that powers smarter decisions for you and a smoother experience for your members.
High-Friction, Manual World
We automate the mundane so your team can focus on the meaningful. By eliminating redundant data entry and manual paperwork, we free staff from administrative drag. This allows your team to spend less time processing and more time building high-value relationships with your members.
The “Credit-Invisible” Member
We help you see the potential that traditional credit scores miss. Our technology looks beyond the credit score to analyze real-time cash flow and positive payment behavior. This allows you to confidently serve the “credit invisible” segment—turning loyal but overlooked members into valued borrowers and deepening your field of membership.
Incomplete Analytics, Flawed Strategy
We transform fragmented data into a clear competitive strategy. Cliqa provides a complete analytics framework that reveals true member behavior and portfolio health. With a 360-degree view of your data, you can move from reactive decision-making to proactive, predictive strategies that drive growth and member loyalty.
The Solution
A Single Platform for Mission, Growth, and Wealth Creation
Turn community inclusion into lending growth.
Mission
Fulfill Your Mission
Go beyond translation. Cliqa is the technology partner that allows you to authentically serve the fast-growing migrant demographic. Align your Financial Institution with the ‘Cliqa” philosophy
and achieve real financial inclusion.
ROI
Unlock Lending Growth
The real ROI isn’t only in fees. It’s data. Our platform provides alternative underwriting data (like cross-border bill payment history) to safely approve 25-40% more loans to “credit-invisible” members.
Trust
Innovate with Confidence
Technology That Empowers: Our platform is built for Financial Institutions that want to accelerate digital transformation. We don’t build products and hope people use them. We study actual financial behaviors and design solutions that fit real needs and solve real problems while growing a customer base.
How We Work
Our Infrastructure is Your Competitive Moat
Cliqa Digital gives you an immediate competitive moat by connecting your members to a fully-integrated payment network of 400+ global service providers—something that would take years and millions to build independently. Our infrastructure becomes your infrastructure, empowering your banking solution to deliver modern cross-border payments, digital services, and member-centric financial products with the speed, scale, and global reach normally reserved for big banks.
Articles & Insights
Resources for Mission-Driven Banking, Credit Union, Fintech Leaders.
Frequently Asked Questions
Got Questions? We’ve Got Answers.
How is Cliqa different from a standard P2P remittance app like Remitly or Western Union?
This is the most critical distinction. We are not a P2P (Person-to-Person) remittance product. Cliqa is a B2B2C “hinge” partner that enables a service marketplace
While competitors focus on sending untraceable cash, our platform empowers your members to pay for essential services directly to service providers in 32 countries —such as CFE (electricity) and Telmex (phone) in Mexico. This model creates high-frequency, “sticky” member engagement rather than occasional, low-margin transfers.
What is the real ROI? We are trying to grow loans, not manage another low-margin payment service.
You have diagnosed the exact value. The real ROI is not only in transaction fees. The true value is “Data Intelligence for Lending Growth”. Our platform transforms your “credit-invisible” members into data-rich, low-risk lending opportunities. By capturing their cross-border bill payment history, we provide you with proprietary alternative underwriting data, allowing your CLO to safely approve 25-40% more loans.
Our Financial Institution struggles to align our mission goals with our lending targets and our compliance burden. How does Cliqa help?
This is the central problem we solve. We designed the platform to be the single “hinge” that unifies these three, often-competing, executive priorities:
- For your Mission & Community Leadership: We provide the “Bodega Displacement” tool. This allows you to fulfill your mission , achieve ‘digital transformation’ goals , and build authentic trust by rescuing member wealth from predatory services.
- For your Lending & Growth Leadership: We deliver “Data Intelligence”. This is a new engine for safely growing your lending portfolio by transforming “credit-invisible” members into a data-rich, low-risk opportunity.
- For your Finance & Operations Leadership: We offer “Confidence & Compliance”. This is a platform that de-risks cross-border innovation and manages the full regulatory burden, so your team can innovate safely.
The 30-Day Discovery & Launch Campaign.
Prove the ROI to your board with a low-risk, high growth project.
Why a Campaign, Not a Core Integration?
A full integration is a significant hurdle for any Credit Union board. We’ve adopted the “Project-Based Approach”. Our “Discovery & Launch Campaign” is designed to bypass risk aversion. It allows us to prove our value, demonstrate the market demand, and give you the hard data you need to champion a full, long-term partnership.