ORLANDO, Fla.—Candescent announced a pair of product initiatives at its AXIS 2026 client and partner conference aimed at advancing what it describes as “Intelligent Banking,” introducing new business banking capabilities alongside a new mobile experience.
Candescent said it has launched new Intelligent Business Banking capabilities designed to transform business banking from a set of “disconnected tools into a unified operating platform.” The company said most existing platforms separate onboarding, payments and reporting, requiring businesses to manage workflows across multiple systems.
The company earlier announced two other new initiatives as well, as the CU Daily reported here.
According to Candescent, its new approach connects these functions in real time, embedding banking into how businesses operate, move money and analyze performance.
“Business banking cannot be a collection of disconnected tools,” said CEO Brendan Tansill in a statement. “The businesses our clients serve are not waiting. They are operating in real-time, and their bank or credit union needs to as well.”
The Key Capabilities
Candescent said the capabilities extend beyond traditional digital access, enabling financial institutions to deliver integrated workflows instead of standalone features.
According to Candescent, key capabilities include:
- Business banking as an operating platform: A unified, design-led experience across onboarding, payments and reporting, with workflows that adapt as businesses grow.
- Unified money movement: The Candescent Payment Hub provides a single foundation across payment types, reducing fragmentation and improving visibility.
- Embedded banking and extensibility: Secure APIs allow onboarding and payment initiation to be embedded into ERP systems and day-to-day workflows.
- Designed to scale with complexity: Supports needs ranging from simple accounts to complex commercial relationships while maintaining a consistent experience.
The company said the capabilities are delivered on a single operational foundation, with money movement centralized through the Candescent Payment Hub/
Built to ‘Move Information’
“Most business banking platforms were built to display information,” Chief Product Officer Gareth Gaston said in a statement. “We built this to move it. Payments, identity, and data now operate across a single connected layer.”
Candescent said the business banking capabilities are available as part of its Intelligent Banking Platform and are being deployed with select financial institutions throughout 2026.
New Mobile Banking Experience Introduced
In a separate announcement, Candescent said it also unveiled Votiv, a new mobile banking experience designed to bring Intelligent Banking to consumer and member interactions.
The company said traditional mobile apps largely focus on access to balances and transactions but lack context and guidance. Votiv is designed to deliver proactive, personalized insights using real-time data and behavioral signals, it said.
“Most banking apps are digital filing cabinets,” Gaston said. “With Votiv, we are bringing Intelligent Banking to life. It is an experience that doesn’t just show what happened yesterday. It helps customers understand what to do next.”
‘Intelligent Engagement’
According to Candescent, Votiv shifts digital banking from a reactive utility to an “intelligent engagement” model that anticipates user needs and surfaces relevant guidance.
The company said capabilities include:
- Contextual Summaries: Interfaces adapt based on real-time signals to present relevant information and tools.
- Actionable Insights: Identifies patterns such as unusual spending or potential cash flow gaps.
- Proactive Intelligence: Surfaces personalized recommendations, such as adjusting savings or debt payments.
The company said Votiv is built on its Intelligent Banking platform and reflects its “Experience-Led. Intelligence-Driven.” philosophy.
“Our clients compete for customer relationships in a channel where most experiences look the same,” Chief Design Officer Donald Chesnut said in a statement. “With Votiv, differentiation comes from combining great user-centric design with intelligence embedded in every interaction.”
The Roll-Out
Candescent said Votiv will begin rolling out to select financial institutions in the second half of 2026, with broader availability planned over time.
