RAI Partners
A Trusted Partner for Seamless Fintech Integration

Community banks, credit unions, and progressive businesses seek a comprehensive solution seamlessly incorporating fintech into their services. Many fintech companies provide narrow solutions, leaving these institutions to patch together multiple vendors when building new products. Unfortunately, even when a vendor offers multiple services, clients rarely have the opportunity to leverage their balance sheets, severely limiting their loan-making potential.

Enter RAI-Partners, a one-stop shop renowned for its ability to develop bespoke fintech products tailored to clients' use cases and their customers' needs. Providing specialized offerings like branded credit cards, secured and unsecured installment loans, structured financing lines, and other fintech services, they empower institutions to maximize the efficiency of their balance sheets, streamlining loan creation and bolstering core operations. They possess the expertise to deliver exceptional solutions even when major corporations seek to combine multiple financial products into a structured and competitively priced package.

“We have relationships with numerous issuing banks, processors, and third-party vendors, which gives us the unique ability to build any financial product a client wants,” says Ed Preuss, co-founder and CEO at RAI-Partners.

RAI-Partners offers a comprehensive fintech product launch package using partnerships, technology, and expertise. They handle crucial aspects like building solid relationships with issuers, obtaining necessary licenses, and collaborating with banks.

The company ensures a dependable payment network, ranging from traditional options like Visa and MasterCard to modern blockchain solutions. They implement a robust ledger system to record transactions and credit activities accurately. RAI-Partners focuses on efficient servicing, collections, and recovery capabilities for credit products. They significantly emphasize developing userfriendly technology interfaces that allow consumers to easily enroll, ensure regulatory compliance, and effectively manage their financial products.

RAI-Partners specializes in helping clients develop new fintech products and expanding their credit card and installment loan offerings. Their objective is to streamline processes, reduce internal costs, increase speed to market, and maximize profitability from the product. They’ve gained valuable market knowledge through collaborations with over 2,000 community banks and credit unions, allowing them to create customized solutions that seamlessly integrate fintech capabilities with clients’ existing services.

The team draws on a wealth of experience in data management, backend operations, and fortified protocols to craft user-centric digital experiences and implement robust security measures and scalable solutions. While entering new markets and releasing new products may be complex and expensive, often requiring a development timeline of 12 to 18 months, RAI-Partners help clients quickly launch and refine groundbreaking fintech innovations that reshape their industry and target market. Their track record of building, managing, and selling billions of dollars worth of high-value credit portfolios, is a testament to their expertise and track record of success.

A compelling example that showcases RAI-Partners’ services is when they received a request from a company looking to build a credit card payment solution capable of handling over a billion dollars in transactions annually. The client wanted a fully customized solution embedded within their existing customer experience. Despite an extensive five-month search, they had struggled to find a complete solution and were considering piecing together different components from various providers. Within a remarkable threeweek timeframe, RAI-Partners successfully scoped the project and presented an outstanding proposal that offered unique technical advantages and a compelling financial return.

We have relationships with numerous issuing banks, processors, and third-party vendors, which gives us the unique ability to build any financial product a client wants

Similarly, a community credit union interested in building an exclusive credit card option for their members approached RAIPartners. They proposed an ingenious solution to create a truly exceptional experience—a personalized consumer credit card that incorporates the credit union's brand equity and balances sheet at every stage. This branded credit card could be launched within just three months, allowing the client to quickly market the new product to members and generate revenue. RAI-Partners also offered the credit union an opportunity to participate in financing, allowing them to leverage their balance sheet on their members' behalf.

RAI-Partners aims to differentiate client offerings through innovation, ignite audience engagement, and propel their growth to unprecedented levels.