This is Votiv
An experience built for the Intelligent Banking era.
For more than a decade, digital banking apps focused on access. Votiv is built for what comes next: banking that understands context, surfaces insight, and helps customers and members know what to do next.
Built on the Candescent Intelligent Banking Platform.
An experience built for the Intelligent Banking era.
For more than a decade, digital banking apps focused on access. Votiv is built for what comes next: banking that understands context, surfaces insight, and helps customers and members know what to do next.
Built on the Candescent Intelligent Banking Platform.
A different model for banking
Most banking apps show balances, transactions, and menus. Customers and members are left to interpret what happened on their own.
Votiv changes that. It brings together unified digital experiences and real-time intelligence to help people understand what matters, know what to do next, and act when it counts.
Context
Surface what matters right now.
Guidance
Turn signals into understandable next steps.
Action
Help people move immediately, without friction.
Built to bring Intelligent Banking
to life
Votiv brings the core capabilities of Intelligent Banking into a mobile experience that is proactive, intuitive, and individualized.
Contextual summaries
The experience adapts in real time to surface clear summaries, relevant tools, and the most important signals at a glance, without forcing customers and members to dig through transactions and menus.
Actionable insights
Votiv helps identify emerging patterns and potential friction points, from unusual spending activity to upcoming cash flow pressure, so people can act before small issues become bigger ones.
Proactive intelligence
Rather than waiting for someone to go looking, Votiv surfaces relevant guidance in the moments that matter most, helping customers and members save smarter, pay down debt faster, and make more informed financial decisions.
Why it matters for financial institutions
Votiv is not just a new interface. It is a new way to compete in a channel where most experiences look the same.
Higher engagement through more relevant, in-the-moment interactions
Deeper relationships built on useful guidance, not just transactions
Increased product adoption through contextual offers and next best actions
Greater operating leverage through smarter automation and more intelligent servicing
The experience layer of Intelligent Banking
Votiv is built on Candescent’s Intelligent Banking Platform, where unified experiences, real-time intelligence, and cloud-native architecture work together as one. That means financial institutions can introduce a more modern, intelligent mobile experience without fragmenting the broader system around it.
Unified experience
Connected journeys across digital and human touchpoints
Data and intelligence
Real-time insight applied in the moment
Open, extensible foundation
Built to evolve with your institution over time
Designed for the next era of banking
Votiv is designed to support both consumer and business banking experiences. The initial release introduces the new experience across consumer banking, with business banking capabilities rolling out in phases as financial institutions adopt the platform.
Over time, Votiv will help extend a more unified, intelligent experience across the broader Candescent portfolio.
Votiv FAQS
Votiv is expected to be available in the second half of 2026 across participating financial institutions. The flagship launch centers on mobile, with Votiv also available on desktop. Timing may vary based on each institution’s rollout plan and implementation timeline.
We’re working with clients based on their current environment and roadmap. In many cases, your current experience architecture and upgrade path will shape the recommended approach to Votiv. The best next step is to connect with your Candescent team so we can assess readiness, dependencies, and the right path forward for your institution.
Votiv is designed as part of the broader Intelligent Banking vision. The initial release introduces the new experience across consumer banking, with business banking capabilities expected to roll out in phases over time. Longer term, Votiv is intended to help create a more unified, intelligent experience across the broader Candescent portfolio, including account opening, consumer banking, business banking, and assisted banking.
Traditional digital banking experiences are built around access to features and information. Votiv is built around understanding and action. It combines contextual summaries, actionable insights, and proactive intelligence to help customers and members understand what matters, know what to do next, and act when it counts across mobile and desktop experiences.
Votiv is built on the Candescent Intelligent Banking Platform. It is the experience layer brought to life across digital touchpoints, with mobile leading the initial launch and desktop included as part of the experience. It is connected to the broader data, intelligence, and platform foundation behind Intelligent Banking.
You can contact the Candescent team to schedule a demo and learn more about rollout timing, platform readiness, and how Votiv fits into your institution’s broader digital strategy.