THE ONBOARDING INNOVATORS
We’re Canada’s leading onboarding company for the financial services industry.
Our API strategy blends the very best technology with traditional core systems to provide
FIs with a truly omni-channel onboarding solution.
What we do
As Canada’s leading provider of onboarding software for the financial services industry, we dedicate all of our resources, brain power and creativity to transforming account origination and loan auto-decisioning into a seamless, digital and incredibly simple customer experience.
Our platform – cumulus – fully digitizes the onboarding process. It’s 100% compliant to all banking regulations and can be easily configured to an FI’s brand, voice and products. cumulus is completely paperless, with e-signatures, electronic account funding and automatic account switching. It also offers banking integration and a module stack that includes retail, commercial and wealth management deposits as well as online lending. These stacks work independently or together and can be deployed in as little as four weeks.
cumulus also makes customers happy by offering an incredibly easy and fully digital account opening experience that endears them to an FI’s brand.
Our Innovation Partners
Our platform is continually innovating to ensure that it reflects the best that technology has to offer. We achieve this by establishing key API integrations that allow us to leverage complementary technologies that will further digitize the onboarding process. This makes it possible for us to rapidly integrate and deploy leading technologies that help our clients increase customer satisfaction and loyalty, achieve marketplace differentiation and unify complex back-office systems and legacy applications into a streamlined process that drives sustainable results.
Our story
Today we’re Canada’s leading developer of onboarding software for the financial services industry, but our story doesn’t begin there. We started out as a web development agency in 1999. In 2004, we were hired by a local credit union. That partnership became a pivoting point for us and was the impetus for a change in our corporate direction. It inspired our team to learn everything there was to know about how credit unions worked and what they needed to succeed. Before long, CUs across Canada were turning to us for solutions that would help them overcome internal efficiencies and better meet the needs of their members.
All of this inspired growth and innovation would lead us to a focus on providing solutions that drive engagement and maximize the customer onboarding experience for credit unions, retail banks, trust companies and wealth management firms across the country.
1999
Incorporated as Webtech Inc.
2008
Incorporated CUMarketing.
2011
Rebranded as thirdstream.
2014
Focused solely on onboarding.
News
WFCU Credit Union Introduces XpressPay™ – Revolutionary Instant Financing Solution
FOR IMMEDIATE RELEASE Monday, April 1, 2019 – Today, WFCU Credit Union (WFCU) is excited to announce the launch of its industry leading, new point-of-sale lending solution called XpressPayTM. The next [...]
WFCU Credit Union Introduces XpressLoanTM – Quick, Easy, Hassle-Free Online Personal Loans up to $10,000
FOR IMMEDIATE RELEASE Thursday, March 21, 2019 – Today, WFCU Credit Union introduced XpressLoanTM, an online lending solution that provides a quick, easy way for consumers to apply for a [...]
thirdstream delivers Equifax Citadel™ to its account opening platform
February 6 - Our account opening integration helps financial institutions maximize their consumer acquisition strategies. Citadel™ is an information-sharing platform built on a multi-industry consortium. It is a fraud management [...]